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Types of Claims

 

Wind Damage

What are damaging winds?

Damaging winds are often called “straight-line” winds to differentiate the damage they cause from tornado damage. Strong thunderstorm winds can come from a number of different processes. Most thunderstorm winds that cause damage at the ground are a result of outflow generated by a thunderstorm downdraft. Damaging winds are classified as those exceeding 50-60 mph.

Are damaging winds really a big deal?

Damage from severe thunderstorm winds account for half of all severe reports in the lower 48 states and is more common than damage from tornadoes. Wind speeds can reach up to 100 mph and can produce a damage path extending for hundreds of miles.

Who is at risk from damaging winds?

Since most thunderstorms produce some straight-line winds as a result of outflow generated by the thunderstorm downdraft, anyone living in thunderstorm-prone areas of the world is at risk for experiencing this hazard. 

People living in mobile homes are especially at risk for injury and death. Even anchored mobile homes can be seriously damaged when winds gust over 80 mph.

 

Water Damage

 

Weather events that cause flooding are infrequent, but they happen. However, sooner or later many homeowners experience damage from a clogged storm drain, broken pipe, leaky hot water heater, overflowing sink or faulty plumbing.

Water damage can be upsetting and destructive, causing homeowners stress and unplanned expense. Public adjusters can help with water damage claims and help insured individuals understand their coverage and maximize their settlement.

Public Adjuster Tip: When you discover water damage, take photos to document destruction as well as any necessary steps to prevent (mitigate) further damage.

Call Adjusters NJ and we can help ensure your claim is properly documented and filed.

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Storm Damage

 

When your area is hit by a storm, you want to restore your property to its pre-storm condition as soon as possible. Strong wind, heavy lightening, hail and other weather elements can cause significant damage. But your policy may only cover a patch for damaged roofing or siding. A licensed public claims adjuster can help you interpret your policy and file, manage and negotiate your claim.

Public Adjuster Tip: Storm damage claims are complex due to the language written in the policy. Working with an expert claim adjuster like Adjusters NJ can ensure you get the highest benefit you are entitled to receive. Also, widespread storm damage can result in a spike in insurance claims. The right public adjuster will make sure your claim is processes as expediently as possible.

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Mold Damage

 

Many homeowners experience mold growth following a water event. Mold growth is the result of moisture and is toxic. It can create hazardous health conditions and requires immediate remediation.

As a property owner, you’re responsible for proving the extent of damage as well as understanding your policy coverage. A public adjuster can take the burden of claim management off your shoulders and work with insurance companies to negotiate your settlement.

Public Adjuster Tip: Mold damage can cause extensive property destruction and health problems. Minimize excessive moisture by regularly cleaning roof gutters, draining air conditioner pans and keeping indoor humidity below 60 percent.

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Fire Damage

A loss due to fire can be devastating. Fire damage can result in complete loss or damage due to smoke and soot. A fire can be accidental, the result of a naturally occurring event like lightening or the result of arson. But even a small fire can result in significant damage. Whatever the reason, we understand you want to get your life back to normal as quickly as possible.

Losing your home and property to fire is a devastating experience. Adjusters NJ ensures it isn’t made worse by having to deal with insurance companies giving you a hard time about your claim. In addition to property damage recovery, you may be entitled to recovery for damage to furniture, clothing, appliances or other personal belongings.

Our experienced adjusters can navigate you down the dark path of (ALE) additional living expenses. Our trained experts will assist you in temporary and/or permanent relocation.

Public Adjuster Tip: Make a list of everything you lost – and don’t throw anything away. Insurance claims adjusters often need evidence in order to compensate you. Prompt action can accelerate your path to an acceptable settlement.

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Theft and Vandalism

Being targeted by criminals is a risk every home and business owner faces . While many companies and individuals put processes in place to prevent theft or vandalism – security cameras, guard dogs, on-premise patrols – there are areas where incidence of crime is higher than others. Being a victim of theft or vandalism is emotionally unsettling, but there is some recourse for crime victims.

A public adjuster can help insured individuals take steps to minimize damage and receive the correct settlement as stated in their insurance policy. Adjusters NJ has worked with many different types of loss and has skilled resources to help evaluate the situation, inform your insurance company, file a claim and ensure the fastest speed to resolution.

Our expert adjusters utilize cutting edge accurate inventory software to ensure a maximum settlement. Our goal is to relieve the policyholders of the burden of determining what was lost on site during a difficult time.

Public Adjuster Tip: Store receipts and other documentation in an easy-to-access but secure place to facilitate the claim filing process. Take photos of building exterior and interior items annually to make it easy to recall property in event of it being stolen or damaged.

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Dropped Objects

 

Tile, granite and stone flooring makes for beautiful home décor, but it is also prone to cracking, chipping and breaking – especially when met with the weight of a dropped object such as a canned good, glass or other object.

Repairing or replacing damaged flooring can be expensive and time-consuming and cause for home or business owner distress. When damage occurs, take photographs immediately and document what has occurred and when. Adjusters NJ can help expedite your claim and work with insurance adjusters to understand if you’re entitled to full replacement and ensure you get it.

Public Adjuster Tip: Often, tiles cannot be matched and repair work cannot restore flooring to its pre-damaged state. Save manufacturer information as well as pieces of tile to prove that a match is unavailable.

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Business Interruption

 

Business interruption losses can be devastating. Following in the wake of Hurricane Sandy, many businesses were left without power and the ability to complete electronic transactions, safely store food items and maintain business continuity.

Business interruption insurance helps protect businesses from loss, but it is complex because it requires determining a dollar amount of earnings that did not occur because of a loss. Policies may cover damage that results from a physical event, such as the time it takes to recover from a restaurant kitchen fire, but they may not take into account the loss of revenue from customers who move on and patronize a competing establishment. The right public adjuster can negotiate with insurance companies to ensure your total loss is taken into consideration when filing a claim.

Public Adjuster Tip: Business interruptions shouldn't’ result in a hit on your business. Work with your public adjuster to establish the best possible strategy for your business interruption claim.

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Hail

Hail is a form of solid precipitation. It is distinct from sleet, though the two are often confused for one another. It consists of balls or irregular lumps of ice, each of which is called a hailstone. Sleet falls generally in cold weather while hail growth is greatly inhibited at cold temperatures.

Unlike graupel, which is made of rime, and ice pellets, which are smaller and translucent, hailstones consist mostly of water ice and measure between 5 millimetres (0.2 in) and 15 centimetres (6 in) in diameter. The METAR reporting code for hail 5 mm (0.20 in) or greater isGR, while smaller hailstones and graupel are coded GS.

http://www.weather.com/storms/severe/news/top-ten-states-hail-claims-2014

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Tornado Damage

Tornado intensity can be measured by in situ or remote sensing measurements, but since these are impractical for wide scale use, intensity is usually inferred via proxies, such as damage. The Fujita scale and the Enhanced Fujita scale rate tornadoes by the damage caused. The Enhanced Fujita Scale was an upgrade to the older Fujita scale, with engineered (by expert elicitation) wind estimates and better damage descriptions, but was designed so that a tornado rated on the Fujita scale would receive the same numerical rating. An EF0 tornado will probably damage trees but not substantial structures, whereas an EF5 tornado can rip buildings off their foundations leaving them bare and even deform large skyscrapers. The similar TORRO scale ranges from a T0 for extremely weak tornadoes to T11 for the most powerful known tornadoes. Doppler radar data, photogrammetry, and ground swirl patterns (cycloidal marks) may also be analyzed to determine intensity and award a rating.

Tornadoes vary in intensity regardless of shape, size, and location, though strong tornadoes are typically larger than weak tornadoes. The association with track length and duration also varies, although longer track (and longer lived) tornadoes tend to be stronger. In the case of violent tornadoes, only a small portion of the path area is of violent intensity; most of the higher intensity is from subvortices. In the United States, 80% of tornadoes are EF0 and EF1 (T0 through T3) tornadoes. The rate of occurrence drops off quickly with increasing strength—less than 1% are violent tornadoes (EF4, T8 or stronger).

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Motor Vehicle

The auto claims adjuster will want to know the names of all the people and vehicles involved, what was damaged, and if anyone was injured. They'll want photos taken of your vehicle, an estimate for the damages, copy of the police report if there is one and contact information for any witnesses. When working with an auto insurance adjuster, be prepared to answer questions about the details of the accident including who was driving, what happened just before the accident, what witnesses are available, and what police officers responded to the scene. The insurance claims adjuster will seek every detail of the accident, so be prepared to answer all questions as best you are able.

motor vehicle is a self-propelled road vehicle, commonly wheeled, that does not operate on rails, such as trains or trams. The vehicle propulsion is provided by an engine or motor, usually by an internal combustion engine, or an electric motor, or some combination of the two, such as hybrid electric vehiclesand plug-in hybrids. For legal purposes motor vehicles are often identified within a number of vehicle classes including carsbusesmotorcyclesoff-road vehicleslight trucks and regular trucks. These classifications vary according to the legal codes of each country. ISO 3833:1977 is the standard for road vehicles types, terms and definitions. Generally to avoid requiring handicapped persons from having to possess an operator's license to use one, or requiring tags and insurance, powered wheelchairs will be specifically excluded by law from being considered motor vehicles.

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Fire/Lightning/Smoke Damage

Lightning injuries are injuries caused by lightning strikes.

They result from three factors:

  • electrical damage.
  • intense heat.
  • the mechanical energy which these generate.

While sudden death is common because of the huge voltage of a lightning strike, survivors often fare better than victims of other electrical injuries caused by a more prolonged application of lesser voltage.

The treatment of lightning injuries is keraunomedicine.

Lightning can strike or injure humans in four different ways:

  • Direct strike
  • 'Splash' from nearby objects struck
  • Ground strike near the person causing a difference of potential in the ground itself (due to resistance to current in the Earth), amounting to several thousand volts per foot, depending upon the composition of the earth that makes up the ground at that location (sand being a fair insulator and wet, salty and spongy earth being more conductive).
  • EMP or electromagnetic pulse from close strikes - especially during positive lightning discharges

In a direct hit, the electrical charge strikes the person first. Splash hits occur when lightning jumps to a person (lower resistance path) from a nearby object that has more resistance, striking the person on its way to the ground. In ground strikes, the bolt lands near the person and is conducted by a connection to the ground (usually the feet), due to the voltage gradient in the earth. This can still cause substantial injury.

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Explosions

blast injury is a complex type of physical trauma resulting from direct or indirect exposure to anexplosion. Blast injuries occur with the detonation of high-order explosives as well as the deflagrationof low order explosives. These injuries are compounded when the explosion occurs in a confined space.

Explosions in confined spaces or which cause structural collapse usually produce more deaths and injuries. Confined spaces include mines, buildings and large vehicles. For a rough estimate of the total casualties from an event, double the number that present in the first hour. Less injured patients often arrive first, as they take themselves to the nearest hospital. The most severely injured arrive later, via emergency services ("upside-down" triage). If there is a structural collapse, there will be more serious injuries that arrive more slowly.

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Riot/Civil Disturbances

riot (/ˈrət/) is a form of civil disorder commonly characterized by a group lashing out in a violent public disturbance against authorityproperty or people. Riots typically involve vandalism and the destruction of property, public or private. The property targeted varies depending on the riot and the inclinations of those involved. Targets can include shops, cars, restaurants, state-owned institutions, and religious buildings.

Riots are typically dealt with by the police, although methods differ from country to country. Tactics and weapons used can include attack dogswater cannonsplastic bulletsrubber bulletspepper sprayflexible baton rounds, and snatch squads. Many police forces have dedicated divisions to deal with public order situations. Some examples are the Territorial Support GroupSpecial Patrol GroupCompagnies Républicaines de SécuritéMobiele Eenheid, and Arrest units.

The policing of riots has been marred by incidents in which police have been accused of provoking rioting or crowd violence. While the weapons described above are officially designated as non-lethal, a number of people have died or been injured as a result of their use. For example, seventeen deaths were caused by rubber bullets in Northern Ireland over the thirty five years between 1970 and 2005.

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Aircraft Damage

Sprites have been blamed for otherwise unexplained accidents involving high altitude vehicular operations above thunderstorms. One example of this is the malfunction of a NASA stratospheric balloon launched on June 6, 1989 from Palestine, Texas. The balloon suffered an uncommanded payload release while flying at 120,000 feet (37,000 m) over a thunderstorm near Graham, Texas. Months after the accident, an investigation concluded that a "bolt of lightning" traveling upward from the clouds provoked the incident. The attribution of the accident to a sprite was made retroactively, since this term was not coined until late 1993.

An aircraft is a machine that is able to fly by gaining support from the air. It counters the force of gravity by using either static lift or by using the dynamic lift of an airfoil, or in a few cases the downward thrust from jet engines.

The human activity that surrounds aircraft is called aviationCrewed aircraft are flown by an onboard pilot, but unmanned aerial vehicles may be remotely controlled or self-controlled by onboard computers. Aircraft may be classified by different criteria, such as lift type, aircraft propulsion, usage and others.

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Pristine Adjuster's specializes exclusively on helping policy owners handle claims.

We understand the insurance industry and policy holder needs.

Pristine Adjuster's cares about our customers.

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