A Property Owner’s Guide to Preparing for Winter

Winter Prep for Midwest Property Owners

Midwest winters are no joke. With temperatures plummeting and snowstorms likely inevitable, now is the time to start winter-proofing your property. You can save yourself from headaches and costly repairs by taking proactive steps. 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.

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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.

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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.

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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. 

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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.

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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.

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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.

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8. Emergency Preparedness

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

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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. Midwest winters are tough, but your property doesn’t have to suffer. 

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Insurance Deception Exposed: Who is Your Carrier Loyal to?

The Mask of Trust

You’ve faithfully paid your insurance premiums for years, believing that when disaster strikes, your insurance carrier will swoop in to save the day. But what if I told you your blind trust could be costing you thousands? Take the time to learn their game and overcome possible insurance deception. 

The Wolf in Sheep’s Clothing 

Your insurance agent may smile warmly and shake your hand, but beneath that friendly facade lies a stark reality: their loyalty isn’t to you— it’s to their employer. And when push comes to shove, whose interests do you think they’ll prioritize?

Let’s be real: insurance carriers are in the business of making money, not handing it out. When you file a claim, your agent’s job isn’t to maximize your payout— it’s to protect the company’s profits. Suddenly, that friendly smile doesn’t seem so reassuring, does it? 

The Power of Choice

Unlike your insurance agent, we’re not beholden to the whims of the insurance company. Our allegiance lies solely with you, the policyholder, and we are committed to fighting stop at nothing to ensure you get the compensation you deserve. 

Still Skeptical?

Imagine this: You’re facing the aftermath of a vicious storm, and you filed a claim with your insurance carrier, seeking rightful compensation for hail damage to your property’s metal roof. But instead of a swift resolution, you’re met with a daunting denial— making you question the coverage you’ve faithfully paid for.

Enter Premier Claims

With unwavering determination, we become your advocate. In the face of carrier delay tactics, we stand firm by your side, armed with collected evidence of the storm’s damage to your property. 

Through our expertise, we secured a $1.16 million settlement for a complete roof replacement. Our impact didn’t stop there, as we commonly attempt to steer the insured towards a future of coverage security by advising an upgrade to a more robust policy, further safeguarding them from future coverage denials.

This isn’t just a story we pulled out of thin air— it’s a true testament to our capabilities. Premier Claims secured this complete roof replacement for a religious center in Orlando, Florida. Imagine the possibilities for your own claim. 

Take Your Place in the Driver’s Seat

As storm clouds gather on the horizon, now is the time to take action. Don’t wait until it’s too late to protect your interests. Contact Premier Claims today, and let us be your guiding light in the darkness of insurance deception. Together, we can weather the storm and emerge stronger on the other side. 

In the face of uncertainty, one thing remains clear: the importance of having a trusted ally by your side. With Premier Claims in your corner, you can rest easy knowing your interests are protected. Don’t let the storm catch you off guard— let us lead you to victory. 

The Role of a Public Adjuster vs. Insurance Adjuster

When disaster strikes—whether it’s a storm, fire, or water damage—one of the first steps in getting your life back on track is filing an insurance claim. But when it comes to navigating the complex world of insurance, understanding the role of a Public Adjuster versus an Insurance Carrier Adjuster can make all the difference in how much you get paid. Let’s break down the key differences so you know exactly who’s on your side.

What is an Insurance Adjuster?

Simply put, an Insurance Adjuster works for the insurance carrier. Their job is to evaluate the damage to your property and determine how much the insurance carrier should pay out on your claim.

Now, before you think, “Well, that sounds fair enough”—let’s take a moment to remember who signs their paychecks. While they’re there to assess the situation, their ultimate goal is to minimize the payout, ensuring the insurance carrier saves money. It’s like letting the fox guard the henhouse.

What is a Public Adjuster?

On the flip side, a Public Adjuster works for you, the policyholder. They’re licensed professionals who evaluate your claim, just like the insurance adjuster does, but with your best interests in mind. A Public Adjuster’s job is to fight for you to get the payout you deserve by thoroughly inspecting the damage, reviewing your insurance policy, and negotiating with the insurance carrier on your behalf.

Think of them as your advocate—a Robin Hood of sorts in the often murky insurance world.

How Does This Affect You?

Having a Public Adjuster in your corner can significantly change the outcome of your claim. While the Insurance Adjuster might tell you that your damage isn’t “severe enough” or certain repairs aren’t covered, a Public Adjuster will go through your policy with a fine-tooth comb to make sure every bit of damage is accounted for. They’ll fight for a settlement that reflects all the damages you’ve suffered, not just what the insurance carrier wants to acknowledge.

When Should You Call a Public Adjuster?

If your claim has been denied, underpaid, or you feel overwhelmed dealing with the insurance carrier, calling a Public Adjuster can be a game-changer. They’ll step in to handle the heavy lifting, freeing you up to focus on getting life back to normal.

In the majority of states, Public Adjuster’s fees are dependent on the payout of the claim by the insurance company. For example, Public Adjusters may fee off a small percentage of the settlement. Alternatively, some state contracts are drafted to include provisions for hourly fees. Each contract is drafted to accommodate the fee requirements of the state in question. In either case, Public Adjusters are motivated to obtain the largest settlement payout possible on behalf of the client. 

At the end of the day, filing an insurance claim can feel like navigating a maze, but you don’t have to do it alone. A Public Adjuster is on your side, fighting for the settlement you deserve, while the Insurance Carrier Adjuster is there to protect the insurance company’s bottom line.

If you’re looking to make sure your claim is handled fairly, it’s worth having an expert in your corner who isn’t tied to the insurance company. Premier Claims is your trusted Public Adjuster, dedicated to making the most of your claim and fighting for your right to a fair settlement.

Ready to get what you’re owed? Contact Premier Claims today, and we’ll work together to restore your property.

Being Blind to Your Insurance Coverage Can Lose You Money

When was the last time you read your policy? Do you remember ever seeing it? The claims process can be incredibly overwhelming and confusing, especially if you aren’t familiar with policy language. Premier Claims is here to help. 

Know Your Coverage Inside Out

Whether or not you understand your insurance policy can make or break your claim. The policy serves as a blueprint for your protection and outlines the scope of insurance coverage in place. If you’ve never seen your policy and are filing a claim, it’s like exploring the jungle without a map.

The first step is to reach out to your insurance broker or agent. They are your direct contact regarding your insurance coverage and can provide you with a copy of your policy upon request. 

Knowledge is Power

Armed with the policy in hand, you gain insight into what you’re protected against and, equally as important, what you’re not. This knowledge is invaluable when navigating the claims process. 

After obtaining your policy, simply forward it to a Premier Claims representative. Premier Claims will assign the policy to one of our licensed professionals to do a thorough ]review. By familiarizing ourselves with the specifics of your policy, we can assist in making informed decisions. The more information we have, the better advocate we can be. To have your policy reviewed by our team, please complete the following form: https://premier-claims.com/policy-review/. This should take less than a minute to complete. 

Recognizing Red Flags

If your broker or insurance carrier is hesitant to provide you with a copy of your insurance coverage, it’s a red flag. Transparency is key in the insurance industry, and any reluctance to share information should prompt further questions. Your policy is a binding contract, and you have EVERY right to review its contents. 

Your insurance policy is more than just a document—it’s your lifeline in times of crisis. Taking the time to understand the legal lingo is an investment in your peace of mind and financial security. Don’t hesitate to reach out to Premier Claims for guidance, and remember, knowledge is power. By arming yourself with information, you can navigate the claims process with confidence and clarity.

Take control of your insurance journey today. Reach out to your broker or agent to request a copy of your policy and then submit your policy for a complementary review by our licensed professionals to ensure your property is properly protected. Embark on the path to empowerment– peace of mind is worth it.

Hassle-Free Inspections= Streamlined Insurance Claims

At Premier Claims, we strive to make the inspection process seamless and hassle-free. Discover how we manage the inspection process without requiring you or your contractor to be onsite, which, in turn, creates a streamlined insurance claims process.

Hassle-Free Inspections

One key advantage of working with Premier Claims is our convenient and hassle-free inspection process. Our inspectors can access the roof without needing you or your contractor present. This flexibility allows you to continue with your daily activities uninterrupted. 

Disclaimer: Inspection circumstances may vary depending on the location of the damage on your property, the state of damage, and the type of property. 

Professional and Thorough Assessments

Inspections are crucial in filing an insurance claim. Our experienced inspectors collaborate with insurance adjusters to conduct thorough damage assessments. They meticulously document all findings to ensure every damaged aspect is noted.

Transparent Communication

We maintain transparency throughout the claims process. Any damage identified during the inspection will be promptly communicated to you through your designated client specialist. We are committed to maintaining a consistent line of communication with you throughout the claims process.

Coordination with Your Contractor

While your contractor’s presence isn’t necessary during the inspection, we understand you might prefer their involvement. We are happy to coordinate with your contractor to ensure a smooth process, aiming to cover your claim comprehensively.

Expert Documentation

Our inspectors provide detailed documentation of any damage found during the inspection to our adjusting team and your client specialist representative. This is crucial for substantiating your claim and ensuring all necessary repairs are accounted for.

Dedicated Client Support

After the inspection, your client specialist will review the findings with you, offering a comprehensive overview of the damage and guiding you through the next steps. Our team is dedicated to making sure you understand every aspect of your claim.

Focus on Your Peace of Mind

At Premier Claims, we simplify the inspection and claims process, allowing you to focus on what matters most—your peace of mind. We provide flexibility and convenience by not requiring you or your contractor to be onsite. Trust our experienced team to handle the details, communicate transparently, and work diligently to get your claim covered.

Disclaimer: Inspection circumstances may vary depending on the location of the damage on your property, the state of damage, and the type of property. 

Contact us today to learn more about our streamlined inspections and how we can assist you with your insurance claim.

What Do You Do After Property Damage Occurs?

Steps to Take After Property Damage 

As you’re sitting at your dinner table, drinking your coffee, and eating your breakfast, you open up Facebook, and all you see are photos, videos, and news articles about the hail storm that swept through your neighborhood. You see that one of your friends posted a picture of a golf ball-sized hail near one of the office buildings you own. You realize there is a VERY good chance your building has damage. What do you do? Do you know how to navigate the claims process after property damage?

Here’s a comprehensive guide on what to do after property damage:

1. Mitigate Further Damage

First and foremost, prioritize your own safety and that of others. If the damage poses any immediate danger, take necessary steps to mitigate further impact or loss to your property. This could involve actions like boarding up windows, covering exposed areas, or shutting off utilities if necessary. Safety should always be the top priority.

2. Document the Damage

Capture thorough photographic and video evidence of all damage. This documentation is crucial as it serves as tangible proof of the extent of the damage for your insurance claim. Take pictures and videos from multiple angles, including close-up shots and wider views, to capture the full scope of the damage.

3. Contact Our Team for Guidance

Reach out to our team as soon as possible for professional assistance. Premier Claims specializes in navigating the complexities of insurance claims and can provide invaluable guidance from the outset.

4. Initiate the Claims Process

After reviewing the evidence and records, if we determine there is sufficient damage covered under your policy, we will initiate the claims process on your behalf.

Contact us today to learn more about how we can assist you in navigating the insurance claims process and recovering from property damage effectively. Your peace of mind is our priority.

The Strategic Value of Litigation in Insurance Claims

There are a few words and phrases that invoke a cringe response within a business setting: bankruptcy, data breaches, and cash flow problems, to name a few. However, the number one trigger for any business owner should be a tie between a lawsuit or litigation. For many business owners, the thought of entering litigation can be daunting, often due to the perceived costs. At Premier Claims, we understand the hesitation around spending money on legal proceedings. However, it’s crucial to recognize that litigation, while an investment, can be a strategic step in potentially receiving the compensation you’re entitled to. 

The True Cost of Avoiding Litigation

Choosing to forgo litigation may seem like a way to save money upfront, but this decision can lead to significant financial losses in the long run. Without litigation, you might accept a lower settlement from your insurance carrier, potentially leaving crucial repairs and damages underfunded. This can result in long-term issues, such as structural damage, mold growth, or even loss of property value. As a reminder pursuing litigation may safeguard you from paying out-of-pocket for extensive repairs that should have been covered per your policy. 

Value of Litigation in Insurance Claims

Increasing Your Claim’s Success

Litigation is often the most effective way to ensure your insurance claim is fully honored. At Premier Claims, our thorough case assessment allows us to determine the true value of your claim. We work closely with an experienced team of legal professionals to present the strongest argument to increase your potential recovery. This process can result in significantly higher compensation, which far outweighs the costs associated with litigation.

Comprehensive Property Protection

Investing in litigation is not just about recovering immediate costs; it’s about protecting your property for the future. Properly funded repairs can prevent further damage, preserving the integrity and value of your property. In the long term, the financial and emotional relief from securing full compensation can far exceed the initial litigation expenses.

A Calculated Investment in Your Future

At Premier Claims, we view litigation not as an unnecessary expense but as a calculated investment in your future. We strive to be transparent about potential costs and work to minimize them while fighting for your return on investment.

The Benefits Outweigh the Costs

While it’s natural to be concerned about litigation costs, it’s important to weigh these costs against the potential benefits. Litigation can provide the necessary avenue to compel your insurance carrier to pay what is owed, potentially preventing you from being under-compensated. By securing adequate funds for repairs and restoration, you not only protect your current assets but also your future financial stability.

Deciding to pursue litigation with Premier Claims is a decision to protect your property, fight for fair compensation, and invest in your future. Don’t let the fear of litigation costs prevent you from obtaining the justice and financial recovery you are owed. Our team is here to support you every step of the way, providing clarity, confidence and experienced guidance throughout the process. There’s value in litigation for insurance claims; what’s holding you back?

Insurance Carrier Tactics Exposed

When you file an insurance claim, you expect your insurance carrier to have your back. Right? After all, that’s why you’ve been paying premiums all these years. Unfortunately, the reality is often quite different. Insurance companies, like any business, are driven by profits. This can lead to practices prioritizing their bottom line over your best interests. Here’s a closer look at some common insurance carrier tactics and how Premier Claims, a dedicated public adjusting firm, can help you combat them:

Common Insurance Carrier Tactics

1. Denial of Valid Claims

Insurance carriers may deny your claim for various reasons, often citing that the damage is not covered or is excluded due to policy limitations. One common tactic is to label damage as “old” or outside coverage limits, even if it occurred during the policy period. This is where regular property inspections become crucial. Premier Claims emphasizes that regular inspections document the condition of your property and ensure that you can clearly distinguish any new damage from pre-existing issues. To have your property inspected by our team, contact us today. 

2. Underpayment of Claims

Insurance carriers may significantly underpay claims even if your claim is not outright denied. They rely on policyholders’ lack of insurance knowledge and the frustration of navigating the claims process. At Premier Claims, we counter this by leveraging our expertise to analyze your policy meticulously. We break down complex industry terminology and ensure that you receive compensation according to the terms of your policy.

3. Confusing Policy Language

Insurance policies are notorious for their complex language and industry-specific terminology. Carriers may use this to their advantage, hoping to confuse policyholders into accepting less than they deserve. Premier Claims provides a critical service by interpreting and explaining your policy in plain language. Our team dives deep into the fine print, uncovering any hidden benefits and ensuring that every clause is interpreted to maximize your claim. To ensure your property is adequately protected, have your policy reviewed by our team: Complimentary Policy Review

How Premier Claims Can Help You

At Premier Claims, we understand the challenges you face when dealing with common insurance carrier tactics. Our mission is to level the playing field and to help protect your rights throughout the claims process. Here’s how we can assist you:

COMPREHENSIVE POLICY ANALYSIS

Our legal team dissects insurance policies to uncover every potential benefit available to you.

STRATEGIC CLAIM NEGOTIATION

We fiercely advocate for you, negotiating with insurance carriers to secure the maximum compensation available.

EXPERT GUIDANCE AND SUPPORT

From initial consultation to final settlement, we provide personalized support and guidance, intending to keep you informed and empowered.

Don’t let insurance carriers exploit your trust and lack of industry knowledge. At Premier Claims, we are committed to fighting for your rights and ensuring you receive the best compensation available. Whether your claim has been denied, underpaid, or needs professional guidance through the claims process, we’re here to help. Contact us today to learn how we can help protect your interests and maximize your insurance claim.

Aftermath of a Storm: Key Steps to Take

Facing the aftermath of a storm can be a daunting experience. But when it comes to safeguarding your property and filing an insurance claim, it’s essential to have a clear plan of action. Below is a guide to assist you through the initial steps following a date of loss.

Survey Exterior Damage

After ensuring your safety, the first step is to assess the storm damage to your property.

Exterior Inspection

Begin by examining the exterior of your property for visible damage. Look for missing shingles or broken gutters. As well as obvious roof leaks or scattered roofing materials.

Air Conditioning Unit

Even if it’s not the summer season, check your AC unit for damages. You wouldn’t want any surprises when it’s time to use it.

Other Damages

Be thorough in identifying all storm-related damages, including those caused by trees, neighbor’s trees, or missing fencing. 

Survey Interior Damage

Inspect the inside of your property for signs of internal damage. 

Water Leaks

Keep an eye out for water leaks or puddles on walls and floors, especially on the ground floor. 

Windows and Attic

Check windows for leaks and inspect your attic for any issues. 

Take Photos

Capture clear photos to document all damage you see on your property in the aftermath of a storm.

Exterior Damage

From damaged roofs to broken AC units, photos play a significant role in your insurance claim.

Interior Damage

Document any damage inside your home, ensuring clarity in the images.

Keep Everything

Hold onto damaged items, as your insurance assessor may need to inspect them for your claim. Even if you can’t keep large items, like a waterlogged carpet or a broken TV, take photos and keep small samples if possible. A piece of your wet carpet can serve as evidence!

Shield Your Property

To prevent further damage to your property while waiting for repairs, we recommend covering visible holes or broken windows. You can do this by using tarps or canvases. Furthermore, ensure that you move valuable belongings and electronic equipment out of harm’s way.

Public Adjuster Inspection

Enlist the expertise of a public adjuster to ensure that all damage to your property is accounted for prior to filing a claim. Their in-depth knowledge, negotiation skills, and commitment to your best interests can significantly impact the outcome of your insurance claim. Ultimately providing you with the peace of mind you deserve after a date of loss occurs. 

Navigating the aftermath of a storm and filing an insurance claim can be challenging, but with the right steps and the support of Premier Claims, you can restore your property with peace of mind. Remember, our dedicated team is here to assist you throughout the process.