RESOURCES

Fire Prevention Is Everybody’s Job

As public insurance adjusters, we have the benefit of knowing we will help every policyholder who brings us in to their fire damage insurance claim. It may be the only reason our team can take the heartache of seeing family after family who lost everything...

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Water Damage Insurance Claims: Covered or Excluded?

Major rain events — like the ones that have been plaguing Wisconsin this summer — get insurance companies busy denying homeowners insurance claims based on water-related policy exclusions. There are many types of homeowners insurance policies. Most...

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National Insurance Awareness Day

You won’t find June 28 celebrated with parades, festivals or fireworks. In fact, the only people who give a rat’s tail about National Insurance Awareness Day are those who work in the insurance industry — and most of them don’t even care. But care you...

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Winter Home Safeguarding Tips Before Heading South

It’s that time of year when scores of Northerners plan to escape winter’s icy grip for a winter vacation. If that applies to you, making sure your home is properly prepared and secured before you head south could prevent a catastrophe. Follow these winter...

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Licensed Public Adjusters Make Sure Everything’s Covered

An insurance company will never voluntarily pay more than an amount claimed by a policyholder. So if you suffer a loss, the scope of damages needs to account for everything needed to restore the property to “uniform and consistent” appearance. That’s where...

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What to Do When a Frozen Pipe Bursts

According to Insurance Services Office (ISO), water damage claims are the second most frequent insurance claims after wind and hail damage. Most water damage claims this time of year are caused by frozen pipe bursts, and this year’s winter has been...

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Navigating Your Rental Property Fire Claim

If you’re a property manager, real estate developer, attorney or commercial property owner, dealing with a rental property fire claim can be overwhelming. So can navigating the claims process with your insurance company. But knowing what to do in that...

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5 Tips to Get the Most Money for Your House Fire Claim

If you’ve suffered a house fire, we’re here to help. Here are some tips for how to maximize the amount of your house fire claim. 1. Find Your Insurance Policies (and contact your agent). Make sure you have a current copy of your policies. If they were lost...

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How to Deal with Debris Removal After a House Fire

As the homeowner, you’re responsible for clearing debris from your property after a fire. The good news is coverage for debris removal is automatically provided in a standard Homeowners insurance policy. It’s a necessary expense to bring your property back...

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What to Do if Your Fire Insurance Claim is Denied

There are many reasons insurance companies justifiably deny fire insurance claims. But that doesn’t mean all fire claim denials are justified. If you’ve had a fire, and your insurance company denied your claim, there are several things you should do...

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The Hidden Damages of a Fire Loss

There’s more to fire damage than meets the eye. Fire can also cause hidden damages that may not be as easily visible. The two main culprits: smoke/soot damage and water damage. Knowing about these additional impacts on your property, and how to properly...

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Understanding the Importance of Homeowners Insurance

There are many expenses that come with buying a home. One of the most important is homeowners insurance. While it's natural to wonder whether this expense is necessary, there are many reasons why it is a crucial protection for any homeowner. Here are a few...

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Is All Personal Property Covered by Insurance After a Fire?

You had a house fire. One of the first things you want to know is: What personal property is covered by my homeowners insurance policy after the fire, and what isn’t? So we compiled some of the most common questions we receive about fire damage from our clients along...

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House Fires: What Causes Them and How to Prevent Them

What is the leading cause of house fires in the United States? According to the National Fire Protection Association (NFPA) statistics compiled from 2011-2015, a whopping 43 percent of the nearly 360,000 house fires responded to by U.S. fire departments...

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After a House Fire: Do’s and Don’ts

Dealing with the aftermath of a house fire is overwhelming. There are things to do, and things you definitely don’t want to do or even attempt to do. We’ve put together the following list of helpful tips to take some of the stress out of a house fire recovery. House...

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If Your House Burns Down, What are Your Options?

No one should have to deal with the trauma of a house fire. But if your house burns down, expert advice can help. Here are some of the first things you should do. Find temporary housing. It will likely be unsafe, if not impossible, to stay in your own home after a...

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Hurricane Irma Proof of Loss

Hurricane Irma will go down as one of the most damaging storms in U.S. history. After leveling several islands in the Northern Caribbean, the powerful storm struck the Florida Keys and Gulf Coast. While significant damage also occurred in other states such as Georgia,...

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7 Ways You Can Help Hurricane Irma and Harvey Victims

What started out as a tropical storm in the Atlantic quickly grew into a monstrous category 5 hurricane. With wind speed over 180 mph and powerful storm surges, Hurricane Irma hit Florida Friday, August 25, 2017. Only a few days before Hurricane Irma hit,...

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Hurricane Irma: 10 Tips for Filing an Insurance Claim

The devastating destruction that Hurricane Irma has left on Florida is unimaginable. Cleaning up after the storm will be a long recovery. Thousands of people will be filing insurance claims, but may be unsure on how to move forward with the process of...

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What You Should Do if a Pipe Bursts in Your Building

Colder temperatures lead to frozen pipes, and a frozen pipe often bursts. It’s a good idea to know the steps to take if a pipe bursts in your building, and how to address the issue for insurance purposes. Here are some tips to help you along the way.

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Avoid These 4 Commercial Property Insurance Claim Delays

Settling a commercial property insurance claim is a complex transaction. Though your first impulse after a catastrophe may be to do whatever it takes to alleviate the loss and get back to business as usual, that rarely results in getting you the best settlement.

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5 Ways a Public Adjuster Can Maximize Your Commercial Claim Settlement

Commercial property claims are complicated, so insurance companies send out their most experienced adjusters to handle them. Seasoned adjusters know damage and coverage issues, and while their experience and knowledge should be a comfort to you as you rebuild your business, they can actually make the process more difficult.

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Top 10 Commercial Property Loss Claims Miller Public Adjusters Manage

Commercial property loss claims are extremely complicated. If your business has suffered a catastrophic loss, your focus is typically on maintaining operations and making critical recovery decisions. It’s not the time to be learning the ins and outs of your insurance policy or the loss claims process.

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Does Your Small Business Have a Disaster Recovery Plan?

As a professional in the industry, Miller Public Adjusters has seen the impact of natural disasters to businesses and consumers alike. While it’s been quite some time since we’ve seen a catastrophic event in our area, we all need to be aware of the...

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The Role of Chicago Public Adjusters After a Fire

Insurance claims are complicated. Understanding the process may be even more frustrating. Following are answers to frequently asked questions regarding the role of Chicago public adjusters after filing an insurance claim in Illinois. Why would I want to...

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Top Property Damage Claims That Occur in the Winter

In the Chicago metropolitan area, roof damage is a common occurrence when temperatures when the winter weather sets in with snow, ice, and cold. A midwest winter presents exceptional challenges that that can prove costly, so it pays to have a local Chicago...

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Negotiating Contractor Expenses on Home Insurance Claims

Disputes over a home insurance claim are not uncommon. Insurers often turn down a homeowner’s first submission. One of the most common areas of dispute in contractor expenses is the overhead and profit portion of the bill. Insurers will question whether...

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5 Ways to Avoid Home Insurance Claim Delays

Saying haste makes waste can be aptly applied when you decide to file a claim with your homeowner’s insurance provider. Filing a claim before you take certain steps often results in delays or denials. The best way to avoid having that happen is by not...

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First Steps in Filing a Property Insurance Claim Correctly

When your home is damaged, it might seem reasonable to wait for the insurance company to take over and resolve everything. Unfortunately, the claims process isn't that simple. As an insured and property owner, you are responsible for taking the first steps...

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What is Actual Cash Value and Why is it Important?

Actual cash value (ACV) and replacement cost are two terms used in the insurance industry when describing the type of coverage offered for the reimbursement of personal property lost, stolen, damaged or destroyed. The two times these terms will come into...

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6 Unusual Things That Are Not Covered By Your Insurance

You may believe that, should you suffer a loss in your home related to either structural damage or personal property, it will be covered under your homeowner's insurance policy for reimbursement. You may not know, however, that there are several things not covered by...

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8 Top Habits of Bad Faith Insurance Claim Handling

You’ve suffered property damage and it’s time to deal with your insurance company. Unfortunately, it’s not an easy process at times. You’ve paid your premiums on time, in full and you’ve filed a claim. Then, the side of your insurance company no one wants...

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Top Insurance Claim Problems Homeowners Have After Filing

When you’re rebuilding your home after major property damage, insurance claim problems are often unavoidable. Getting your family to safety can be traumatic enough. Then you must report your claim, sort through your damaged personal property and find a...

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Homeowners Insurance Advice From a Public Adjuster

Many individuals will never have to file an insurance claim for their home. According to iii.org only 5.3% of all homeowner’s insurance policyholders filed a claim in 2014 and while your chances aren’t that great that you’ll ever need to file, you should still understand the claims process.

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Three Ways You Can Prevent Flood Damage in Your Home

If you're not worried about flooding, you should be. According to the National Flood Insurance Program, flooding can happen anywhere. In the past five years, all 50 states have had to deal with a flood. Flooding is also incredibly dangerous and has a heavy...

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The Value of Hiring a Licensed Public Adjuster

Jill - What's the role of a public adjuster?  I’m Jill Horner and this is Comcast Newsmakers. With me this hour is Gene, he is president at the American Association of Public Insurance Adjusters. Thanks for being with us. Gene- Thank you, Jill. Thank you for having...

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The Effects of Hail Damage to Your Roof

Hail Damage to Roof and Insurance Claim Process Understanding hail damage serves an important purpose towards insurance claims and the process it involves. Most of the times the insurance companies try to play around the fact that there was no substantial...

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What to do After Experiencing Water Damage

If your home has suffered extensive water damage after a storm, flood or frozen pipe, you need to act fast, assess the damage, and get assistance from a reliable public insurance adjuster in order to obtain a fair amount of compensation to be used for...

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What to do When Your Property Flooding Claim is Denied

When your insurance company denies your basement flooding claim, they always try to find reasons to avoid compensating their clients. You may be tempted to give up, but just because the insurance company initially denied your claim does not necessarily...

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Top Mistakes Made After a Loss Affecting Claim Settlement

When your family or business encounters an unfortunate loss of any kind, it is important to avoid these mistakes to ensure a smooth and successful claim settlement. Clearing out your items without a completing an accurate inventory. Many homeowners and...

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Insurance Claim Appraisal Process

The appraisal clause can be executed if there is any disagreement between the policyholder or the insurance company regarding the actual cash values and/or the amount of the loss. Appraisals can be an inexpensive and effective alternative to going to...

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Independent Insurance Adjuster vs. Public Insurance Adjuster

Adjusters are professionals who work in the insurance field to help validate damages, determine coverage areas and evaluate cases to arrive at a value of an insurance claim. There are two types of adjusters: “independent” or company adjusters, and public adjusters....

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Free Resources & Ebooks

Experts Guide to Getting the Most Out of Your Property Insurance Claim

Don’t be confused with the insurance claim process. Understand what steps to take with this guide.

Public Adjuster Secrets for Maximizing Commercial Property Insurance Claims

Dealing with a commercial property loss claim can be difficult, but we have a few secrets on how to maximize your settlement.

Field Guide to Navigating a Large Commercial Property Loss

Suffered a large commercial property loss? We’ve created a guide to help you navigate through your claim.

Expert's Guide eBook

Experts Guide to Getting the Most Out of Your Property Insurance Claim

Don’t be confused with the insurance claim process. Understand what steps to take with this guide.

Public Adjuster's Secrets eBook

Public Adjuster Secrets for Maximizing Commercial Property Insurance Claims

Dealing with a commercial property loss claim can be difficult, but we have a few secrets on how to maximize your settlement.

Field Guide to Navigating Large Commercial Property Loss eBook

Field Guide to Navigating a Large Commercial Property Loss

Suffered a large commercial property loss? We’ve created a guide to help you navigate through your claim.