Do I Have Enough Homeowners’ Insurance Coverage?
At some point, everyone has wondered: How much homeowners’ insurance do I really need? Too little, and you might be stuck paying for repairs out-of-pocket; too much, and you’re wasting your money on huge monthly premiums that aren’t doing you any good. The reality is that there’s definitely a sweet spot, and everyone’s is different. […]
How to File a Fire Damage Claim: A Homeowner’s Guide to Fire Loss
A house fire is one of the most traumatizing things a homeowner can experience. Once the flames are extinguished, you’re left to navigate the destruction of your property, the loss of personal belongings, and the lingering damages caused by soot, smoke, and water. And, on top of all the rebuilding and recovering, you’re also expected […]
How to Document Property Loss: A Helpful Guide
As a public adjusting firm, we see it all the time: clients will come to us asking for help after their property insurance claim has been denied. When we ask them what kind of documentation they submitted of the damage, they’re often confused. “What documentation?” Whether you take photos, videos, handwritten notes, or timestamps, documenting […]
Residential Property Claim Guide
Filing a residential property claim can seem overwhelming, and rightfully so! Not only do you suddenly have to deal with damage to your home and loss of personal belongings, but you’ve also got to navigate the confusing paperwork process (all while trying to deal with your insurance company, which isn’t known for being helpful). That’s […]
Does Homeowners’ Insurance Cover Smoke, Soot, and Water Damage After a Fire?
If you’ve experienced a fire in your home, then you understand that the problems don’t stop once the flames are gone. Oftentimes, you’re left with more than just structural damage—there’s also water damage from the fire being put out, as well as smoke and soot contamination. Even if the flames were able to be contained […]
Why Was My Property Insurance Claim Denied?
When you’re trying to pick up the pieces after fire, flood, or storm damage, one of the last things you want to hear is that your homeowner’s claim has been denied. However, the unfortunate reality is that insurance companies do not make their money by being forgiving during the claims process. Through loopholes and nuances […]
What Is a Public Adjuster in Wisconsin?
If you are like most people experiencing property damage firsthand, you may be feeling a bit panicky, and your first instinct is probably to rush to the phone, speed dial your insurance company, and start the process of filing a claim. But wait! What if we told you that doing that would likely end up […]
ACV Versus RCV: What Are The Differences?
When it comes to insuring your property and belongings, there are two main types of coverage available: actual cash value (ACV insurance) and replacement cost value (RCV insurance). Although the two are often used interchangeably, they’re not the same thing. ACV and RCV policies differ in the way they calculate your property value when paying […]
Pros and Cons of Hiring a Wisconsin Public Adjuster
When damage strikes (whether it be in the form of flooding or fire) and you’re forced to file a home insurance claim, an adjuster will be sent out to examine your property and determine what compensation you are owed. However, it’s important to note that you are not required to work with the adjuster provided […]
Questions to Ask When Hiring a Public Adjuster
Being a public adjuster comes with a lot of questions! And rightfully so—it can be confusing to understand exactly what, how, or why we do what we do. Especially when most people who come looking for a public adjuster have likely been through a horrible experience with their insurance company, and as a result, they’re […]
