2024: Reflecting on a Year of Advocacy, Resilience & Results

NAVIGATING THE STORMS TOGETHER

Reflecting on a Year of Advocacy, Resilience & Results

This year, our team has exemplified the true value of expertise and advocacy in the claims process. By meticulously documenting every detail, negotiating with carriers, and ensuring that our clients, the policyholders, always come first, we’ve been able to deliver results that matter. Our focus on protecting our clients’ rights and helping them navigate the often-complex insurance landscape has reaffirmed why having a trusted advocate is so crucial during challenging times.

From the devastating tornadoes that ravaged the Midwest in the spring, to the powerful hurricanes whose impact extended far inland, and the intense wind and hailstorms that struck communities across the nation, standing by our clients every step of the way. We are incredibly grateful for the trust our clients have placed in us and the opportunity to help them rebuild.

As a year in review, we’ve included some photos of the damage and storms we’ve worked on throughout the year. These moments reflect not only the challenges we’ve faced together but also the resilience and determination of our team and clients. We are deeply thankful for the hard work of our team, the trust of our clients, and the collective efforts of everyone who has helped advocate for policyholders.

 

Below are a few articles we’ve published this year to help spread awareness and education:

Will My Insurance Premiums Go Up? – Learn if your premiums will go up if you seek professional help in navigating the claims process.

Filing a Claim Without Losing Coverage: Know Your Rights – The misconception is that an insurance carrier will drop you if file a claim, but its important to understand that such action is unlikely and illegal.

Are You Underinsured? – Recent market changes—skyrocketing construction costs, supply chain delays, and increasing natural disasters—mean your coverage from two years ago may not cover you today.

Depreciation in Insurance Claims: Are You Getting Short-Changed? – When your property is damaged and you file an insurance claim, but you may quickly discover the insurance carrier short-changes you because of depreciation.

The Role of a Public Adjuster vs Insurance Adjuster – Understanding the role of a Public Adjuster versus an Insurance Carrier Adjuster can make all the difference in how much you get paid.

Save on Insurance Premiums Without Sacrificing Coverage

Navigating the complex world of insurance doesn’t have to be overwhelming. For property owners, one of the most impactful ways to reduce premiums while maintaining excellent coverage is by reviewing and optimizing their insurance policies. 

Understanding Your Policy

Insurance policies consist of various components, including deductibles, coverage limits, and endorsements. Understanding these elements allows property owners to assess their policies effectively.

Deductibles

High deductibles often result in lower premiums. However, property owners should evaluate their financial capacity to cover the deductible in the event of a claim.

Coverage Limits

Reviewing coverage limits ensures adequate protection without overpaying for excessive coverage. Assess the property’s value and adjust coverage limits accordingly.

Endorsements

Additional coverages can be added through endorsements. Evaluate the necessity of endorsements based on the property’s specific needs to avoid unnecessary expenses.

Regular Policy Reviews

Insurance needs can evolve over time due to changes in property value, renovations, or lifestyle. Regular policy reviews, ideally conducted annually, allow property owners to align their coverage with their current requirements. By staying proactive, policyholders can identify potential areas for savings to reduce premiums and optimize their coverage.

Risk Mitigation Strategies

Implementing risk mitigation measures can lead to lower premiums. Property owners can consider:

Security Systems

Installing security systems, such as alarms and surveillance cameras, can reduce the property’s risk, leading to potential premium discounts.

Maintenance

Proper maintenance, including roof repairs, electrical updates, and plumbing improvements, demonstrates responsible property ownership and can result in reduced premiums.

Bundling Policies

Combining multiple insurance policies (e.g., property and auto) with the same insurer often results in substantial discounts, making it a cost-effective choice for property owners.

Policy Shopping and Comparison

Periodically shopping for insurance quotes and comparing policies from different providers is a proactive approach to securing competitive premiums. Additionally, it’s essential to obtain quotes from reputable insurers, ensuring a balance between cost and coverage quality.

Consulting with a Public Adjuster

Engaging a public adjuster, like those at Premier Claims, can significantly impact premium savings. Public adjusters have in-depth knowledge of insurance policies and can guide the policyholder on to best protect themselves and their property. Their expertise aids policyholders attempting to receive fair treatment and optimal coverage for their premiums. 

Property owners who invest time in understanding their policies, conducting regular reviews, implementing risk mitigation strategies, and exploring their options can achieve significant savings on premiums. By staying informed and proactive, property owners can make educated decisions that lead to substantial financial benefits.

Our team of seasoned public adjusters are on standby to assist you through the complexities of insurance coverage. To provide you with a comprehensive and accurate review of your policy, we invite you to complete our policy review. Subsequently, our team members will review your policy in-depth and reach back out to go over their findings at your convenience, allowing you to get the help you deserve!

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Untold Advantages of a Damage-Free Inspection

Untold Advantages of a Damage-Free Inspection

Property inspections are a crucial part of the insurance claims process, providing an accurate assessment of a property’s condition. For property owners, the fear of discovering damage can be daunting. Inspections that lead to no damage can leave a property owner relieved, yet frustrated by the time spent in getting the inspection done. However, receiving a damage-free inspection report is valuable and can lead to more benefits for the policyholder.

Understanding the Inspection Process

Property inspections serve to assess the condition of a property and complete documentation. When conducted by experienced professionals, these inspections help in identifying potential issues that might not be visible to the untrained eye. Insurance companies use these findings to determine coverage and policyholder benefits.

No Damage, No Worries

Discovering no damage during an inspection can provide policyholders with peace of mind. It means that their property is in good condition and doesn’t require immediate repairs. This situation also prevents the hassle of filing claims, which can be time-consuming and emotionally draining.

Proactive Maintenance and Preventing Future Issues

A damage-free inspection is an opportunity to continue proactive maintenance. Policyholders can use this information to reinforce their property’s resilience against future risks. Regular maintenance and addressing minor concerns, guided by the inspection results, becomes a strategic investment in potentially minimizing the likelihood of extensive damages.

Creating Baseline Evidence

A damage-free inspection provides baseline documented evidence of the state of the property. Should the property experience future damage, the prior damage-free findings serve as evidence to support future insurance claims filed on the property. Brent Roberts, Inspections Manager at Premier Claims, recommends, “In the event of future damage to a property, it’s ideal to have a prior thorough inspection that resulted in no- or minimal damage to the property. This provides a good baseline of documentation, and photo evidence can be compared with new evidence to identify all damage.”

Lower Insurance Premiums

Regular inspections with no reported damage can reflect positively on a policyholder’s insurance profile. Proactive property maintenance could lead you to lower premium options. By demonstrating the property’s well-kept condition over time, policyholders can potentially secure more affordable insurance rates. In addition, a history of minimal claims reflects responsible property ownership, potentially enhancing the policyholders’ standing with the insurance company.

Empowerment through Knowledge

Being informed about the property’s condition empowers policyholders to make strategic decisions. Armed with this knowledge, they can better understand their property’s vulnerabilities, improve its resilience, and make informed choices regarding insurance coverage and risk management. Policyholders should view inspections as an opportunity to understand the true condition of their properties.

While discovering damage can be concerning, a damage-free inspection can be equally as valuable. It signifies a well-maintained property, potential cost savings on insurance premiums, and a positive impact on the policyholder’s overall insurance history.

We are here to educate, guide, and provide peace of mind to policyholders across the nation. If you have any questions or concerns regarding property inspections, claims management, or insurance policies—Reach out to our team today!

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Public Adjuster Near Me: Things to Look for and Consider

Recovering from the devastation of storm damage is a complex process, and having a reliable public adjuster by your side can make all the difference. The aftermath of a natural disaster is overwhelming, especially when it comes to dealing with insurance claims. Partnering with a public adjuster who understands the challenges you face and tailors them to you and your property’s needs helps streamline the claims process. Moreover, a public adjuster is your advocate, equipped with the expertise and knowledge to navigate the intricate landscape of insurance policies. Their partnership allows you to better equip yourself to fight for a fair settlement, enabling you to rebuild and restore your life. Now, you may be asking, how do I find a public adjuster near me?

Top 5 Things to Look For in a Public Adjuster

1. Verify Licensing & Accreditation

Ensure the public adjuster you consider is licensed and accredited by the relevant regulatory bodies. This accreditation validates their expertise and adherence to industry standards, providing you with confidence in their professionalism.

2. Evaluate Experience & Specialization

Look for an adjuster with a proven track record in handling various types of damages, such as water damage, hail damage, fire damage, and hurricane damage. Specialization in specific areas ensures they possess the expertise needed to handle your unique situation effectively.

3. Transparency & Trustworthiness

Transparent communication about fees, the claims process, and the expected timeline are essential. Furthermore, a trustworthy public adjuster maintains open and honest communication, ensuring you are well informed at every step.

4. Check Client Testimonials and Reviews

Reading testimonials and reviews from previous clients provides valuable insights into the adjuster’s reputation and the satisfaction of their clients. Premier Claims takes pride in its positive client feedback, reflecting our commitment to excellent service and successful outcomes.

5. Investigate Communication & Availability

Effective communication is key to a successful partnership. Evaluate the adjuster’s responsiveness and availability. Premier Claims ensures that our team is readily available to address your concerns and provide updates, offering you peace of mind during the claims process.

Why Choose Premier Claims?

At Premier Claims, our expertise goes beyond mere professional qualifications. Our team, consisting of industry veterans with advanced certifications and ongoing education, ensures we stay ahead of industry trends and policy changes. A public adjuster with a fully equipped team of professionals can significantly impact the outcome of your claim for the better. Premier Claims is dedicated to surpassing industry standards by incorporating innovation, technology, and a meticulous claim management process. Our six-step process is committed to delivering unparalleled results and safeguarding your interests at every stage. Certain states may have regulations that determine the services a public adjuster may provide. Our process and services we are able to provide will be based on the state regulations. To learn more, visit our Public Adjuster Legal Disclaimer. When you choose Premier Claims, you benefit from:

Expert Knowledge & Continuous Education

Our professionals hold advanced degrees and certifications, constantly updating their skills to navigate the ever-evolving insurance landscape effectively.

Tailored Strategies for Maximum Results

We understand the uniqueness of each case. Consequently, our team creates customized strategies, attempting to maximize your settlement based on the intricacies of your specific situation.

Supporting You Beyond the Claim

Our team actively offers personalized policy guidance, addresses industry inquiries, and commits to providing you with tailored support. We’re here to ensure your peace of mind extends beyond the claims process, offering expertise and assistance whenever you need it.

Your journey to reclaiming your life after storm damage begins with choosing the right public adjuster. Moreover, Premier Claims combines expertise, integrity, and a genuine commitment to your well-being. Contact Premier Claims today to discover how we can help you and your property!

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The Impact of Hail

Understanding Size, Formation, and Damage

Hail, a type of solid precipitation that forms within thunderstorm updrafts, has fascinated and intimidated humans for centuries. Frequently causing damage to homes, cars, and aircraft, and posing a significant threat to people and livestock, these formidable ice orbs are a spectacle of nature’s power.

From Raindrop to Hailstone: How Hail Forms

Hailstones take birth when ordinary raindrops are lifted by thunderstorm updrafts into the frosty regions of the atmosphere. Here, they freeze and start their journey of growth, colliding with other liquid water drops that freeze onto their surface. This growth process can result in hailstones having layers of clear and cloudy ice, depending on the conditions they encounter during their ascent.

Interestingly, these layers don’t form due to the hailstone going through up and down cycles within the thunderstorm, contrary to popular belief. Thunderstorm winds are not just vertical; they also have a horizontal component that can significantly influence the hailstone’s trajectory and growth.

Gravity’s Pull: How Hail Falls To The Ground

A hailstone’s descent is all about timing and balance. It falls when it becomes too heavy for the thunderstorm’s updraft to support or if the updraft weakens. Smaller hailstones, due to their lightweight, can be blown away from the updraft by horizontal winds. As such, larger hail tends to fall closer to the updraft than smaller hail.

The speed of falling hailstones depends on a plethora of factors: their size, the friction they encounter with the surrounding air, local wind conditions, and even the degree of their melting. The expected fall speed ranges from 9 mph for small hailstones to over 100 mph for those with diameters exceeding 4 inches.

The Geography of Hail: Where it Strikes the Most

In 2024, the United States once again claimed its title as the hail damage capital, with Nebraska, Colorado, and Wyoming—known as “Hail Alley”—experiencing the most frequent storms. These states endure an average of 7-9 hail days per year, with the 2024 season breaking records for both frequency and severity.

Hailstorms create paths known as hail swaths as the storms move while the hail falls. These swaths can vary from a few acres to an area 10 miles wide and 100 miles long. Some storms churn out a mass of small hail instead of large hailstones, which can create hazardous conditions resembling icy winter roads when covering roadways completely.

Hail Size: From Peas to Grapefruits

According to NOAA National Severe Storms Laboratory, the largest hailstone recovered in the United States fell in Vivian, South Dakota, on June 23, 2010. It had a massive diameter of 8 inches, a circumference of 18.62 inches, and weighed almost 2 pounds. However, hail sizes vary significantly. They’re often compared to everyday objects for easier estimation:

In the end, it’s crucial to remember the damage potential of hail and take appropriate safety measures during hailstorms. From car windshields to rooftops and from crop fields to livestock, hail can wreak considerable havoc. Stay informed and stay safe!

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Hurricane Insurance Claim Timeline for Chicken Farm

Wondering How Long a Hurricane Insurance Claim Takes to Settle?

Follow as we track the series of events after Hurricane Helene and the insurance claim process for a complex claim in Homerville, Georgia. Comprised of two large buildings, the layer chicken farm experienced significant destruction that resulted in many of the birds roaming outside a secure enclosure, or lost due to the damage. 

Timeline to Recovery following a Hurricane Insurance Claim
Layer Chicken Farm in Homerville, Georgia

26 September 2024

11:10 PM — Hurricane Helene made landfall in Keaton Beach, Florida.

27 September 2024

2:45 AM — Hurricane Helene impacts Homerville, Georgia.

30 September 2024

11:31 AM — Premier Claims conducted on—site inspection, and gathered initial documentation (policy declaration pages, and business related documents).

12:43 PM — Premier Claims established representation with the carrier and requested contact information for the carrier adjuster assigned to the claim.

1:21 PM — Premier Claims confirmed coverage for mitigation, and worked with the contractor selected by the policyholder to begin mitigation efforts.

01 October 2024

10:23 AM — Premier Claims client specialist conducted a welcome call with the policyholder to discuss the process, our team members and their role in their claim, the initial mitigation coverage and next steps in the process.

2:02 PM — Premier Claims established communication with the carrier adjuster, and requested a certified copy of the full policy, scheduled joint inspection, and confirmation of policy limits.

03 October 2024

8:03 AM — Premier Claims inspector met on-site with the independent adjuster hired by the insurance carrier to conduct a more thorough inspection to ensure all damage was documented and considered by the carrier.

10:17 AM — Premier Claims gathered documentation for the most recent cost of repairs and service for damaged equipment.

1:59 PM — Premier Claims secured a written email confirmation from the independent adjuster that the buildings are classified as a total loss, as well as additional equipment on site.

Hurricane Insurance Claim Timeline for Chicken Farm in GeorgiaHurricane Insurance Claim Timeline for Chicken Farm in GeorgiaHurricane Insurance Claim Timeline for Chicken Farm in Georgia

04 October 2024

8:07 AM — The carrier reassigned the farm equipment parts of the claim to an additional adjuster that requested additional information to process the claim.

9:55 AM — The carrier reassigned the business interruption coverage of the claim to an outside forensic accounting firm.

10:57 AM — Due to the equipment coverage being reassigned to a new adjuster, Premier Claims inspector went back on—site to gather more photographic and video evidence of agricultural equipment that was damaged.

2:28 PM — Premier Claims received the certified copy of the full insurance policy, and our legal team began their thorough review of the policy. During their review, they identified the policyholder held an ACV policy, but was able to recoup a 5% debris removal after completion.

3:36 PM — Premier Claims adjuster spoke with the forensic CPA to discuss the business interruption coverage. As a result, we received the full list of necessary information they will require for this claim, business, and agricultural type. We coordinated with the policyholder to start compiling the necessary documentation.

09 October 2024

8:19 AM — Premier Claims received a final negotiated estimate totaling full policy limits for the structural damage, as well as 5% in debris removal to be issued following completion.

10 October 2024

3:15 PM — Policyholder compiled a portion of documentation for business interruption coverage. We continue working with policyholders to compile financial documents necessary to receive business interruption coverage.

11 October 2024

11:24 AM — Premier Claims adjuster followed up with the insurance carrier on releasing undisputed funds. Told to be in transit by the end of next week.

17 October 2024

8:14 AM — The carrier has reassigned the farm equipment parts of the claim to an additional adjuster. This is the third adjuster reviewing the coverage for the equipment.

18 October 2024

11:12 AM — Premier Claims adjuster followed up with the insurance carrier on releasing undisputed funds that were promised to be mailed last week.

23 October 2024

11:28 AM — Premier Claims secured written confirmation that full limit coverage for the equipment. Carrier will be purchasing equipment for the full coverage limits through a bill of sale.

24 October 2024

11:08 AM — Premier Claims received confirmation that the carrier has released an initial payment for the structure and equipment settlement.

29 October 2024

10:15 AM — Premier Claims received the executed bill of sale from the policyholder and delivered it to the carrier and requested a full release of payment for the equipment.

01 November 2024

2:15 PM — Premier Claims received initial payment from the carrier. Team overnighted check for endorsement from the mortgage company.

Ongoing Efforts

1 — Premier Claims client specialist continues to work with the policyholder to organize and gather the necessary historical financial information to receive business interruption coverage.

2 — Premier Claims adjuster is working closely with the contractor to compile all invoices and completion documents to issue release of 5% debris removal funds.

3 — Premier Claims advising the policyholder to secure a more inclusive policy that contains recoverable depreciation and adequately covers the needs of poultry farms.

 

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A Property Owner’s Guide to Preparing for Winter

Winter Prep for Property Owners

Winters are no joke for snow-prone states. With temperatures plummeting and snowstorms likely inevitable, now is the time to start winter-proofing your property. By taking proactive steps, you can save yourself from headaches and costly repairs. Whether you’re a seasoned property owner or new to the fierce winter weather, we’ve collected key tips to help prepare your property. 

1. Inspect and Repair Your Roof

Your roof is your property’s primary shield against winter storms. Any weakness— a missing shingle, loose flashing, or an unnoticed leak—can create a disaster once the snow piles up. Snow and ice build-up adds significant weight to your roof, and if there’s already damage, it increases the risk of leaks or even a roof collapse.

We Recommend:

2. Clear Your Gutters and Downspouts

Falling leaves and debris often clog gutters during the fall, which can become a serious issue during winter. Clogged gutters prevent water from draining properly, leading to ice dams—when water gets trapped and freezes, causing roof damage and leaks.

We Recommend:

3. Protect Your Pipes from Freezing

Frozen pipes are a property owner’s worst nightmare. When water inside pipes freezes, it expands, putting immense pressure on the pipes. This can cause them to burst, leading to water damage, costly repairs, and a long-term headache. The areas most vulnerable to freezing include pipes in unheated spaces like attics, basements, garages, crawl spaces, and exterior walls. With a few proactive measures, you can help keep your pipes safe and flowing smoothly throughout the winter season.

We Recommend:

4. HVAC System Checks

The last thing you want is for your heating system to fail during a deep freeze. Your heating, ventilation, and air conditioning system will be working overtime as the temperature drops. 

We Recommend:

5. Trim Overhanging Trees

Heavy snow or ice can cause weak or overhanging branches to break, which could cause damage to your roof, siding, or windows.

We Recommend:

6. Seal Windows and Doors

Energy efficiency is critical during the winter season, and even small drafts can cause your heating system to work overtime, leading to higher energy bills. Unsealed windows and doors also allow cold air and moisture to seep in, which can lead to mold growth and wood rot.

We Recommend:

7. Inspect Your Foundation and Exterior Walls

Cracks in your property’s foundation or exterior walls can let cold air and moisture seep in, leading to more severe structural problems when water freezes and expands.

We Recommend:

8. Emergency Preparedness

Review and update your emergency preparedness plan and inform all occupants of what to do during severe weather events this winter. 

We Recommend:

9. Policy Review

Before winter sets in, we recommend reviewing your property insurance policy. Coverage needs can change from year to year, so it’s important to make sure your property stays adequately protected. Our team is here to review your policy so you know of potential gaps in your coverage this winter. Submit your policy for review today!

Get Ready Before the First Snowfall

Preparing your property for winter isn’t just about staying warm—it’s about protecting your investment. By taking the time now to inspect, repair, and winterize your property, you’ll keep your property safe and hopefully prevent costly repairs down the road. Winters are tough, but your property doesn’t have to suffer. 

To get more tips on winter property maintenance and stay informed about seasonal property care, join our blog community using the form below!

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Hurricane Post-Recovery

The post-recovery after a hurricane can be a challenging and stressful experience. Understanding damage assessment, contacts, and expectations post-hurricane as a local resident can ease recovery burdens significantly. 

Assessing Hurricane Damage & Mitigation

Prior to the storm, we recommend following a detailed checklist, having your property inspected, and accurately documenting the current condition of the property.

For more information, read the following blogs:

After the storm has passed, your responsibility as a policyholder will be to assess the damages to your property and mitigate further damage. We recommend inspecting the exterior of your property looking for any broken or loose materials. In addition, inspect the interior of your property for water leakage or pooling water. Early connection, detailed documentation of damage, and mitigation strategies are vital for your insurance claim process.

Important Contacts After the Hurricane

In regards to property damage after a hurricane, there is a significant need for mitigation professionals, inspectors, and contractors in the community. Insurance carriers will also experience an increase in call volume and claims coming in from the community. Prior to the storm, we advise having a list of important contact information including your insurance carrier, mitigation companies, contractors, government authorities, medical assistance during a disaster,  and your local Red Cross. 

Our team is readily available during a hurricane. In the aftermath of the storm, we take over the communication, scheduling, and coordination with your insurance carrier, inspectors, mitigation companies, and contractors. We take the burden of handling the devastating damage from the hurricane so you can have a full focus on your family, health & safety following the storm. 

What to Expect as a Resident

As a resident, you can expect the recovery process to take time. The immediate aftermath of a hurricane can be chaotic and challenging, often requiring a great deal of patience and persistence. Communities will come together to overcome the struggles of power outages, limited access to food and water, as well as the extensive damage to homes, businesses, and natural resources. 

Keep informed about the latest updates and instructions from location authorities to help you navigate the recovery process. The days and weeks following a hurricane may result in delays of power recovery and availability of essential services. It’s important to be prepared to live without essential services for a period of time, and to come together as a community to support one another as you navigate the recovery from the hurricane’s impact.

 

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Hurricane Helene Storm Update with Big Dog Country

IN RECENT NEWS

On today’s episode of the Butch and Bob Show on Big Dog Country station in Georgia, one of our most experienced and valued policyholder advocates, Caitlyn Milligan discusses the restoration efforts following Hurricane Helene.

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