News from Aspen Claims

Studies Workplace Injuries at Colorado Cannabis Facilities Remain Average


July 17, 2019

One of the larger concerns of those who were against Colorado’s legalization of marijuana was marijuana-consumption related injuries, not just on the state’s roadways, but at cannabis growing facilities themselves. However a new study one of Colorado’s largest workers compensation providers, Pinnacol, proves that workplace injury is not more or less common at marijuana processing facilities. 

In fact, employers working in cannabis facilitating businesses are comparatively safe when compared to on-the-job injuries and workers compensation claims in other industries. 350 Coloradans working in cannabis retail, cultivation, manufacturing, clerical support and transportation were injured on the job in 2018. That’s not a considerably large number of injured workers given the fact that over 3,000 cannabis-related businesses are insured by the firm.

One of the factors for the safely is believed to be the fact that Colorado business owners have experience, given that marijuana was legalized in 2000 and for recreational adult use in 2012. The industry is very robustly regulated, meaning that both business owners and employees follow the same guidelines regarding on-the-job drug use that have stood for decades in other industries. the industry is so highly regulated.

Job related injuries that are most common in Colorado include strains, slips and falls, being struck by equipment, and eye injuries. According to the study, seventy percent of injuries were incurred by men ages 20 to 29 — a typical demographic for workers in manual labor fields, an industry that shares similarities with marijuana cultivation and processing.

During the legalization debate, citizens and lawmakers alike voiced concerns that workers in the cannabis industry may be prone to being high while working, but he said the claims data and the anecdotal data doesn’t support the assertion according to this recently released data, instead revealing that people who are impaired while working is more likely in that industry than other sectors.

If you’ve been hurt at work, or if you’ve been hurt at work by someone who is under the influence of drugs or alcohol, Aspen Claims can help. Our patented FileTrac™ system is a real-time a claims management system that allows our clients to review the status and progress of their claim from any digital device, twenty-four hours a day, seven days a week. To ensure the accuracy of your claim from word one, Aspen Claim’s ReScope™ process offers a reinspection process ensuring the most accurate re-inspection in the industry. At Aspen Claims, we pride ourselves in the quality and professionalism that has been a standard of our work for decades. Contact our team today for all your claims adjustment needs
 
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Colorado Property Owners No Strangers to Damaging Storms


July 3, 2019

From softball size hail to extreme wildfires to heavy snowfall, the weather in Colorado is pretty unpredictable and often, unforgettable. That’s why the Aspen Claims team encourages property owners in Colorado and throughout the United States to rely on our team of our team of insurance adjusters to get the most for their damaged property claims.  Between the various mountain ranges and rugged terrain, the weather can vary greatly within just a few short miles, no matter where in the United States your home or business resides.

According to the insurance industry officials, a natural or man-made disaster is named as “catastrophic” when insurance claims total up to $25 million or more in damages. Here’s a list of a few catastrophic events in our home state —the state of Colorado and others that came close.

In July of 1990, a massive hail storm caused roughly $625 million in estimated damages across Colorado. Golf-ball to baseball-sized hail was reported, causing extensive damage to vehicles, windows, roofs and skylights. 

In March of 2003, snowfalls that topped over three feet in depthy caused Colorado Interstate 70 to shut down for 2 days due to avalanche risk and icy conditions. With 28,000 claims file, the damage from the storm was estimated to be more than $93 million.

The Waldo Canyon Fire of 2012 is believed to be the most expensive wildfire in Colorado history. It burned 347 homes and 18,247 acres, which led to more than $453 million in insured losses. In addition, more than 32,000 people were evacuated.

In May of 2017, Colorado was hit by another massive hailstorm — by far the most damaging hailstorm in state history. The disaster generated $2.3 billion in damage from a total of 267,000 claims in the Denver area, report the Rocky Mountain Insurance Information Association. The storm ranked as the state’s most expensive insured disaster in history. These scenarios all paint a dire picture for those who have property insurance, or feel that their property insurance is lacking when it comes to final claims process. 

If your personal or commercial property has been severely damaged by weather,  Aspen Claims can help. You can even track the progress of your claim thanks to our digital claim management system that allows our clients to review the status and progress of their case from any digital device, twenty-four hours a day, seven days a week. To ensure the accuracy of your claim from word one, Aspen Claim’s ReScope™ process offers a reinspection process ensuring the most accurate re-inspection in the industry, to make sure you get what’s rightfully yours if your personal or commercial property has been damaged by weather. At Aspen Claims, we pride ourselves in the quality and professionalism that has been a standard of our work for decades. Contact our team today for all your claims adjustment needs.
 
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How Reinspection Can Help You After an Auto Accident


June 19, 2019

If you’ve been in an automotive accident in the Denver area and need to further inspect your claim, Aspen Claims Services is in your corner. Our team prides itself on our Re-Scope program —a customizable menu of quality assurance reinspection.  Our Re-Scope reinspection services come complete with a written report and photos of our findings.  The goals of our reinspection process include determining missing damages, uncovering inaccurate measurements, uncovering differences in LKQ and requesting supplemental estimates for missing damages. 

When your car has been damaged in an accident and has been examined by the repair or body shop, an estimate of the damage value will be provided to the insurance company detailing the projected cost to fix the car. 

At this time, an adjustor from the insurance company will also come out to inspect the car and to ask the repair shop to make additional repairs if needed or check the car more thoroughly if there is a suspicion of hidden damage. What can be considered “hidden damage” in the event of an automotive accident? Usually it’s damage to your vehicle that cannot be seen by the naked eye. Suspension and frame damage are the most common damages that go unseen in intial inspections. 

Auto insurance reinspection is done for two reasons. First, it is done to make sure that the repair shop has (or is in the process of) properly completing the repairs, ensuring that they are not cutting corners, using substandard parts or not doing a thorough job to repair your vehicle to a drivable condition. 

Secondly, the adjuster returns to reinspect the car for the sake of the insurance company, not only to ensure quality but also to make sure that the cost of the original estimate is justified. Our Re-Scope program may at what parts were used, if there were any additional charges and ensure that the work completed is worth the amount charged. This helps to protect both the client from unscrupulous repair shops, and the auto insurance provider from paying too much for the repairs.

While this reinspection can delay the return of the car to the policyholder, it is a necessary step, and one which helps protect all parties involved. At Aspen Claims, we pride ourselves in the quality and professionalism that has been a standard of our work for decades. Contact our team today for all your claims adjustment needs. 
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How Aspen Claims Can Help You


June 5, 2019

If you are an insurance policy holder who is interested in hiring a claims adjuster, there are a variety of steps you can take to make sure you’re choosing a qualified professional. At Aspen Claims, we have decades of experience helping individuals and professionals with insurance adjustment claims and are licensed nationwide. Our team is also bonded and participates in a wide variety of continuing education courses each year to maintain our up-to-date licensure. 

At Aspen Claims, we encourage businesses and individual property owners from in and around Denver, Littleton, Aurora and surrounds not work with any other individual, such as a contractor or an attorney, that is not properly licensed in insurance claims adjustment. In fact, practicing claims adjustment without a license is against the law in Colorado and remains the nationwide benchmark of both knowledge and qualification.

At Aspen Claims, the best testament to our success is the wide variety of clients who have successfully worked with us in the past. If you work with a claims adjuster who is unwilling or unable to provide contact information for a past clients with whom they have successfully worked with, you have a right to be skeptical. 

Similarly, the number of years an adjuster has practiced or the volume of claims they handle each year are not necessarily indicators of their experience. Quantity does not equal quality. At Aspen Claims, we’re proud of our wide breadth of experience in the insurance claim litigation process. In addition, we’ve developed a wide variety of tools based on our experience that can help you with your claim regardless of your industry or damage extent. 

Our FileTrac™ system is a real-time a claims management system that allows our clients to review the status and progress of their claim from any digital device, twenty-four hours a day, seven days a week. Aspen Claims’ dedication to professionalism is further illustrated with our TruReview™ approval process, a comprehensive, multi-step internal review and approval process that each of our reports undergoes before being submitted to a client. To ensure the accuracy of your claim from word one, Aspen Claim’s ReScope™ process offers a reinspection process ensuring the most accurate re-inspection in the industry. Best of all, each of our adjusters stays on top of the game by participating in ProEd™ an adjuster education program that trains adjusters in the latest and most advanced claims adjusting techniques.

Contact Aspen Claims today to learn how you can get your claim started with the nation’s pros.
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Spring Floods Pose Major Threat to U.S. in 2019


May 22, 2019

Federal weather officials in the United States are painting a dire portrait of the approaching
flood season. Recent flooding that has wreaked havoc across the Midwest might merely be a sign of things to come. 

While the majority of midwest crops have yet to be planted for this year's harvest, record flooding has impacted a variety of other major industries, namely livestock, transportation as well as the delivery of ethanol to refineries. The great midwest floods of 1993 resulted in the deaths of 50 people and caused over $15 billion dollars in damages.

According to a recent report by the U.S. National Water Center in Tuscaloosa, Alabama, more 
than 200 million people and two-thirds of the 48 contiguous states are currently at risk for flooding in their communities, 13 million of which could be facing major flooding scenarios. Many of cities along the banks of the Missouri River have already been inundated including those
in Nebraska, Iowa and South Dakota.

There are a variety of factors contributing to the likelihood of serious flooding this spring, particularly in the middle part of the country. Heavy snows throughout the winter will melt, and above-average rainfall is expected on top of that. 

The high flood risk paints a picture far dire than the typical involves extensive inundation of structures and roads and large-scale evacuations. NOAA scientists also worn of the potential of  chemical runoff from the rains would cause above-average hypoxia conditions — “dead zones” of water with low oxygen caused by nutrient pollution that can kill fish and other marine life. Such conditions are likely to affect both the Gulf of Mexico and Chesapeake Bay.

Heavy winter snows across Colorado are expected to dramatically affect those living in flood zones across the state. According to scientists at the National Center for Atmospheric Research in Boulder (NCRA) the worst flooding in the Colorado region would happen if the weather warms up too quickly, loosely defined as having a week or so of 70-degree temperatures soon, along with the addition of heavy, warm spring rains.

What is key for Colorado homeowners to remember is that there is a 30 day waiting period after purchasing flood insurance before it becomes effective. Many homeowners don’t realize basic homeowners insurance doesn’t include flood protection. In the event that major flooding effects the Colorado region this spring,, your car, home, or valuables may fall victim to extensive damage. Such cases, you can file a catastrophe claim with your insurance even if you do not have flood insurance. Be sure to document any and all flood damage that affects your property once it is safe to go outdoors. This will help an adjuster evaluate your situation. 

For more information and help with catastrophe insurance claims this flood season, the experienced, knowledgeable team here at Aspen Claims Service can help. We have experienced adjusters available 24 hours a day, seven days a week. Keep our phone number 888-819-5904 in your phone to call in the event of an emergency.
 
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