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 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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Hurricane Helene Update with HailTrace

IN RECENT NEWS

In this insightful discussion, Kyle Maring, CEO of Premier Claims, sits down with a representative from HailTrace to discuss the impact of Hurricane Helene. They explore the current challenges faced by affected communities and outline the crucial next steps for restoration and recovery efforts. Tune in to hear their professional perspectives on navigating the aftermath of such a devastating storm.

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Surviving Hurricane Helene and Bad Faith Tactics

What You Need to Know About Insurance and Bad Faith Tactics

In the wake of Hurricane Helene, thousands of families are still displaced, uncertain of when—or if—they’ll be able to return to their homes. With homes flooded, roofs torn off, and belongings destroyed, the path to recovery is overwhelming. Many are still waiting to hear about loved ones, while others have only just begun the daunting process of gathering what remains to file insurance claims.

While you focus on your family’s safety and rebuilding your life, it’s vital to be aware of a harsh truth: not all insurance carriers will treat you fairly. This blog is here to help you navigate the claim process, protect your rights, and avoid falling victim to bad faith tactics used by some insurers.

What Is “Bad Faith,” and Why Should You Care?

Bad faith refers to deceitful practices by insurers who, rather than honoring the terms of your policy, choose to delay, deny, or underpay your claim. In the aftermath of Hurricane Helene, these tactics can slow down the recovery process at a time when you need immediate assistance. After enduring such a loss, the last thing you expect is for your insurance provider to offer a settlement that barely covers the damage. Yet, many victims are shocked when they receive an offer that feels like a slap in the face. If this sounds alarming, it’s because these strategies are all too common. Knowing what to watch for is your first line of defense.

Steps to Protect Yourself as You Start Filing Your Claim

If you’re just beginning to gather the items you need for your insurance claim, being aware of the possibility of bad-faith tactics is critical. Here’s how to approach the process carefully and protect yourself:

1. Document Everything Thoroughly

As you begin your claim, take detailed photos and videos of the damage—if and when it’s safe to do so. Thorough documentation will support your claim, whether it’s a collapsed roof, waterlogged furniture, or shattered windows. If possible, keep all receipts for emergency repairs, temporary housing, or any other related expenses.

Insurance carriers may try to dispute the extent of your loss. Having comprehensive documentation can help you counter any attempts to undervalue your claim.

2. Be Wary of Early Settlement Offers

Once you file your claim, your insurer may try to offer a quick, lowball settlement. This may seem tempting—especially if you’re displaced and need immediate assistance—but these offers often fall far below what your policy entitles you to receive. You don’t have to accept the first offer. Taking the time to review and negotiate can prevent you from being shortchanged.

As our Client Specialist MaKayla Fountain explains, “I’ve experienced many cases where the carrier has bullied the insured into settling the claim or settling for less. They threaten to drop the policy or raise the insured’s premiums. They put a lot of fear into the insured.” This fear often drives policyholders to accept offers that don’t come close to covering their losses.

It’s crucial to take a step back, understand your rights, and not let fear drive your decision.

3. Understand Your Policy

Before you file, review your insurance policy to understand what’s covered and what’s not. Many homeowners are unaware of certain exclusions or limitations, which can lead to surprises down the line.

Insurers may use complicated language or fine print as a shield, denying claims that are otherwise valid. Knowing your coverage helps you argue against such tactics.

4. Stay Persistent, Even When They Delay

If your insurer is slow to respond or repeatedly asks for unnecessary paperwork, don’t give up. These are classic bad-faith moves designed to wear you down. Keep communication records—emails, phone call logs, etc.—to demonstrate your compliance and persistence.

Delays can work to the insurer’s benefit. By documenting their lack of action, you can push back and even build a case for bad faith, should the issue escalate.

How to Spot the Signs of Bad Faith

As you navigate the claim process, keep an eye out for red flags. Insurers often employ tactics designed to frustrate policyholders into settling for less:

1. Unexplained delays

If weeks go by without an update or if your adjuster keeps disappearing, this could be a delay tactic.

2. Repeated requests for more documentation

While it’s normal to submit basic documents, such as proof of loss or receipts, multiple or irrelevant requests might signal bad-faith behavior.

3. Sudden changes in your policy’s interpretation

If your insurer starts interpreting policy terms in ways that seem unfair, unusual, or contradictory—they may be trying to reduce your payout unjustly. 

If you notice these signs, it might be time to bring in outside help.

Why a Public Adjuster Could Be Your Best Ally

During this difficult time, your insurance carrier should be your partner in recovery—but as we’ve discussed, that’s not always the case. A public adjuster works for you, not the insurer, helping to ensure your claim is handled fairly and accurately.

As Joey Cafaro, Senior Desk Adjuster, explains, “After significant damage, policyholders naturally focus on recovery, often overlooking the need to protect themselves, which can lead to underpaid, delayed, or denied claims. Consulting with a public adjuster early on protects their interests from the start. As experts, we thoroughly document all aspects, understand industry cost standards, and navigate policy details that can impact coverage. While policyholders juggle jobs and families, our full-time role is to combat insurance carrier delays, aiming to ensure claims are settled fairly and promptly.”

Leveling the playing field

Insurers have teams of adjusters and lawyers protecting their interests—and you should, too. A public adjuster is your advocate, ensuring your claim is not undervalued or unjustly delayed.

Expert knowledge of insurance

With a public adjuster on your side, you can rely on their knowledge of the industry, understanding of bad faith tactics, and ability to fight for the settlement you deserve.

The road to recovery after Hurricane Helene is long and uncertain. Filing an insurance claim during such a chaotic time can feel overwhelming. However, understanding the possibility of bad-faith tactics will help protect you. Keep track of your documents, stay persistent, and never hesitate to ask for help from a public adjuster if you feel your insurer isn’t acting in your best interest.

Bad faith tactics shouldn’t stand in the way of rebuilding your life. If you’re still waiting for your claim to process, or if your insurer hasn’t provided the assistance they promised, remember—you have the right to fight back.

Contact Premier Claims today to set your claim up for success!

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60 Minutes: Key Takeaways from “After the Hurricane” report

60 Minutes:
Key Takeaways from “After the Hurricane” report

The Devastation of Hurricane Helene & Milton: Lessons from the Past

In the wake of the recent destruction from hurricanes, thousands of homeowners are not just picking up the pieces of their lives—they’re bracing for a new kind of storm: the battle with their insurance carriers. While families are still reeling from the devastation, a darker, more troubling reality is unfolding. Will their insurance policies—the safety nets they’ve invested in for years—come through when they need them most?

If history is any indication, the answer might leave you unsettled. CBS’s recent 60 Minutes exposé on Hurricane Ian revealed how insurance carriers systematically underpaid or outright denied policyholders. They altered damage assessments to reduce payouts. With Hurricane Helene and Milton’s damage mirroring, if not exceeding, Ian’s, homeowners must now confront the possibility that they, too, could face the same unfair treatment.

As you begin the recovery process, it’s crucial to know how to protect yourself from an industry that may prioritize profits over people.

What Happened After Hurricane Ian?

According to the episode, many policyholders found that their damage reports were mysteriously altered, underestimating the destruction to their properties. As the whistleblowers interviewed in the episode noted, insurance carriers deployed tactics that included modifying damage estimates—sometimes drastically—to minimize the compensation owed to homeowners. A contractor featured in the episode shared, “The damage was clear, but what wasn’t clear was why the estimates didn’t match reality anymore.”

The Harsh Reality of Insurance Payouts Post-Hurricane

As evidenced in the 60 Minutes episode, policyholders from Hurricane Ian are still battling their insurance carriers for the compensation they were promised. These delays and reductions in payouts can be financially crippling at a time when people need help the most. 

The question on everyone’s mind now is: Could this happen again with Hurricane Helene & Milton? Unfortunately, the current insurance climate suggests that it’s not just a possibility, but a strong likelihood.

How You Can Protect Yourself

Given the current landscape, there are several things policyholders should keep in mind when navigating the claims process after a Hurricane:

  1. Document Everything: Take extensive photos and videos of all damage before making any repairs. Your documentation will serve as evidence if your claim is disputed or reduced.
  2. Get an Independent Assessment: Hiring a public adjuster to assess the damage and provide an objective estimate may be worthwhile. This can safeguard you against any lowball offers or claims modifications. Contact our experienced team today to have your property inspected.
  3. Don’t Settle Too Soon: As we reflect on our experience with policyholders during Hurricane Ian, it’s important for policyholders to feel empowered to review every offer they receive from their carrier. Levi Warren, our Adjusting Manager, advises, “The most common mistake I see is accepting a final award too quickly. With all the emotions involved in your claim, it’s easy to want to rush through the claim process to make yourself whole again. Be sure to take your time and review the estimate you receive from your carrier to make sure nothing is missing.”
  4. Seek Professional Help: Public adjusters, like those at Premier Claims, can fight on your behalf to negotiate with your carrier. They understand the tactics insurers use to minimize payouts and can help hold them accountable, aiming to take the stress off your plate.

Hurricane Helene and Milton: Prepare for a Fight

As we watch more hurricane devastation unfold, property owners must brace themselves for the physical recovery and the potential financial battle ahead. In many cases, it’s not about how much damage was done but how much insurers are willing to acknowledge.

We encourage policyholders to stay informed, know their rights, and reach out to professionals when in doubt. The lessons from Hurricane Ian should serve as a grim reminder: proactively know the coverage and rights within your policy so you know when it’s time to defend your claim. 

Premier Claims is Here to Help

At Premier Claims, we advocate for policyholders like you to receive fair compensation from their carriers—making the restoration process as smooth as possible. Our experienced team manages every aspect of your insurance claim, from damage assessment to negotiating with insurers, so you can focus on recovery.

If you’ve been impacted by Hurricane Helene or Milton, contact Premier Claims today. You don’t have to go through this alone.

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Hurricane Preparedness: Essential Supplies to Weather the Storm

Hurricanes are unpredictable and destructive forces of nature, wreaking havoc on homes, infrastructure, and the lives of many. When a hurricane hits, access to critical services may be severely limited or nonexistent. That’s why being fully prepared is essential—not only to get you through the storm but also to manage the potentially dangerous aftermath. Let’s break down the must-have hurricane survival supplies that could make all the difference—plus, the potential consequences if you find yourself unprepared.

Critical Supplies for a Hurricane

  1. Water: Water is survival 101—hands down the most crucial supply. The rule? One gallon per person, per day. With hurricanes, you never know how long the water supply could be compromised. According to an article in the New York Times in the aftermath of Hurricane Ian, Stefanie Arcangelo of the Red Cross says, “You don’t know what is necessarily going to happen due to the storm’s impact. The storm could impact the public water system.”  We recommend to over-prepare when it comes to hydration!
  2. Non-Perishable Food:  Fresh food is often off the menu during a hurricane. Power outages mean refrigerators aren’t an option, so load up on non-perishables like canned goods, crackers, peanut butter, and freeze-dried foods. The key is to pick items that don’t spoil and are easy to eat when you’re running on backup plans.
  3. First Aid Kit:  Flying debris and broken glass can turn your living room into a danger zone. And with emergency services stretched thin, you may be on your own for a bit. Keep a well-stocked first aid kit with bandages, gauze, antiseptics, and a few days’ worth of medications on hand to manage injuries until help arrives.
  4. Flashlights and Batteries: Total power outages are practically a given in a hurricane. Skip the candles (fire risk) and rely on trusty flashlights or battery-powered lanterns. Stock up on batteries because, in the pitch dark, they’ll be your lifeline.
  5. Portable Radio:  Cell towers and Wi-Fi can fail when you need them most. A NOAA weather radio (battery-operated or hand-crank) will keep you in the loop on storm updates and emergency info.
  6. Cash: When the power goes out, so do ATMs and card readers. Cash is your go-to for essential purchases when electronic payments aren’t an option.

The Cost of Being Underprepared

What happens if you’re not ready? The consequences of under-preparing for a hurricane aren’t just inconvenient—they can be life-threatening.

Special Considerations for Vulnerable Individuals

Don’t forget to stock extra supplies if you’re responsible for elderly family members, small children, or pets. They’ll have specific needs, and those are easy to overlook when you’re rushing to prepare.

Want to be really ready? Download our full Hurricane Preparedness Checklist and make sure you’re covered before the storm strikes.

 

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Hurricane Insurance Coverage for Policyholders

Hurricanes pose significant risks to property owners in vulnerable areas. Proper insurance coverage is essential to protect your investment and ensure a smooth recovery process. Here’s what you need to know to secure the right hurricane insurance coverage:

Why Adequate Hurricane Coverage Is Important

Hurricane coverage encompasses various protections against windstorm damage, flood damage, and additional living expenses (ALE) during recovery. This insurance is crucial for safeguarding both your property and financial stability.

Key Elements of Comprehensive Hurricane Coverage

Windstorm and Hurricane Coverage

When considering your insurance policy, start with windstorm and hurricane Coverage. This coverage is your essential defense against the destructive impacts of hurricanes. Make sure your policy includes protection against wind-related damage, such as roof damage and shattered windows. This coverage not only shields your property but also provides you with peace of mind. 

Flood Insurance

In hurricane-prone zones, flooding is a major concern. While Windstorm and Hurricane Coverage are crucial, they may not cover flooding resulting from storm surges or heavy rainfall. To address this gap, think about adding a separate Flood Insurance Policy. This comprehensive coverage takes care of both structural damage and your belongings in the event of flooding.

Additional Living Expenses (ALE) Coverage

After a hurricane, your home might be uninhabitable due to extensive damage. This is where Additional Living Expenses (ALE) Coverage comes into play. ALE ensures you have support for temporary housing, meals, and other necessities while your property is being restored. This provision in your policy can greatly ease the challenge you face during the post-hurricane period. 

Named Storm Deductibles

Understanding your policy’s deductibles, including Named Storm Deductibles, is crucial. These deductibles apply specifically to damage caused by named hurricanes or tropical storms. Keep in mind that these deductibles are often higher than your standard deductible. Knowing these details can help you avoid unexpected financial setbacks.

Timing is Key: Act Before the Storm

Keep in mind— once a hurricane is named, you cannot modify your insurance policy. Taking a proactive approach and reviewing/ updating your coverage before a hurricane approaches is in your best interest.

We have partnered with the Merlin Law Group to provide extra insight into the importance of hurricane coverage. Merlin Law Group has created guides specifically to assist policyholders in preparing for hurricane season. For residential policyholders, they have a Hurricane Checklist with tips on how to protect their property. As well as a Condominium Hurricane Preparedness Guide for multi-family properties.

As industry leaders, we’re committed to supporting you not just as policyholders but as individuals seeking security and recovery after a devastating loss like a hurricane. Premier Claims is here to guide you every step of the way. For a complimentary policy review, fill out our policy review form: https://premier-claims.com/policy-review/

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