tso-adjustment-service

The Role of a Public Adjuster in the Claims Process: What to Expect

TSOAdjustmentService@gmail.com (Dawn Ward) — Thu, 06 Jun 2024 14:00:02 GMT

Navigating an insurance claim can be an overwhelming and time-consuming process. It may become even more challenging when you must deal with a complex claim or extensive property damage. This is where the expertise of a public adjuster can make a significant difference. In this blog post, we will discuss the role of a public adjuster in the claims process and what you can expect when partnering with TSO Adjustment Service.

What is a Public Adjuster?

A public adjuster is a licensed professional who specializes in managing the various aspects of insurance claims on behalf of policyholders. Unlike insurance company adjusters, public adjusters work exclusively for the insured, ensuring they receive the maximum settlement possible for their claim. Public adjusters are well-versed in insurance policy language, claims procedures, and negotiation techniques, enabling them to understand the complexities of your claim and fight for your best interests.

How a Public Adjuster Helps in the Claims Process

Assessing and Documenting Damage

One of the primary roles of a public adjuster is to assess and document the damage to your property. They will conduct a thorough inspection, identifying and documenting all aspects of the loss, including hidden damages that may be easily overlooked. This detailed documentation is essential in building a strong case to support your claim.

Policy Review and Analysis

Another primary function of a public adjuster is to analyze your insurance policy and determine the scope of your coverage. With their in-depth understanding of policy language, they can interpret your policy and ensure that you are fully aware of the benefits and limitations of your coverage, which can significantly impact your claim's outcome.

Preparing and Filing the Claim

A public adjuster takes the responsibility of preparing and filing your insurance claim off your shoulders. They will compile all relevant documentation, including damage assessments, repair estimates, and supporting evidence, to substantiate your claim. This meticulous approach helps prevent any delays or disputes in the claims process, ensuring the smoothest possible experience for you.

Negotiating with the Insurance Company

One of the most crucial roles of a public adjuster is negotiating with the insurance company to secure the best possible settlement for you. Insurance companies are notorious for offering lowball settlements to unrepresented policyholders, but a skilled public adjuster can leverage their industry knowledge and negotiation expertise to maximize your claim.

Why Choose TSO Adjustment Service

TSO Adjustment Service is a trusted public adjuster in Philadelphia dedicated to helping policyholders navigate the insurance claims process. With over 27 years of experience, we have built a reputation for providing high-quality services, ensuring that our clients receive the settlements they deserve. Our team is well-versed in the Greater Philadelphia Region’s unique circumstances, ensuring that no matter the type of claim, you can rely on us to secure the best possible outcome.

Don’t let the weight of your insurance claim burden you any longer. Let the knowledgeable professionals at TSO Adjustment Service handle the process for you. Contact today to schedule a free in-home inspection and policy review, and allow us to provide the support, guidance, and expertise you need to maximize your insurance claim settlement.

Tips for Preventing Water Damage and Preparing for Insurance Claims

TSOAdjustmentService@gmail.com (Dawn Ward) — Mon, 06 May 2024 14:00:11 GMT

Water damage is a pervasive problem that can lead to extensive harm and costly repairs within homes and commercial properties. It is essential to take preventive measures to protect your property and minimize the chance of damage. In this blog post, we will share some valuable tips to help you prevent water damage to your property, as well as discuss how you can prepare for insurance claims in case you end up suffering from water-related damage.

Tip 1: Regularly Inspect and Maintain Plumbing Systems

To reduce the likelihood of water damage, it is essential to perform regular inspections and maintenance of your property's plumbing systems. This includes checking for leaks in pipes, fixtures, and appliances. Additionally, make sure to replace old and worn out parts to prevent potential future issues.

Tip 2: Protect Your Property From Natural Disasters

Heavy rains, storms, and floods can all lead to water damage. To protect your property from these natural disasters, reinforce your home's structure by sealing the cracks and openings in your walls and foundation. Additionally, it is crucial to keep your gutters and downspouts clean and free from debris to prevent leaks and water damage during heavy rains.

Tip 3: Install a Sump Pump

A sump pump can be an indispensable tool to prevent basement flooding and the resulting water damage. By regularly maintaining the sump pump and testing it to ensure proper function, you can help protect your property from potential water damage.

Tip 4: Climate-Proof Your Property

By climate-proofing your property, you can significantly minimize the likelihood of water damage. Insulate pipes, especially in unheated areas, to prevent them from freezing and bursting. In addition, consider upgrading your home's insulation and weatherstripping to protect it from potential water damage caused by ice dams and leaks.

Tip 5: Implement Proper Landscaping Techniques

Proper landscaping can help prevent water damage by directing water away from your property. Ensure that your property's grading slopes away from the foundation and use rain gardens and swales to manage stormwater runoff effectively.

Preparing for Insurance Claims

While preventive measures can significantly reduce the risk of water damage, there is always the chance that an unforeseen event, such as a sudden pipe burst or heavy rain, may still cause damage. It is crucial to be prepared for such incidents and know what steps to follow in case you need to file an insurance claim:

1. Document the Damage: Take photos or videos of the affected areas, and create a list of damaged items, providing as much detail as possible about each item's age, make, model, and estimated replacement cost.

2. Keep Records: Properly document all communications with your insurance company and keep receipts for repair and restoration expenses.

3. Contact a Public Adjuster: Public adjusters, like TSO Adjustment Service, can help you navigate through the often complex and confusing insurance claims process. They will work on your behalf to ensure that you receive a fair settlement from your insurance company.

Preventing water damage is vital for maintaining the structural integrity and value of your property. By following these tips and being prepared for potential insurance claims, you can protect your assets and ensure your home or business remains safe and secure. However, if water damage does occur, it is essential to have a trusted insurance claim expert on your side. Contact TSO Adjustment Service today to help you navigate the insurance claims process and get the settlement you deserve. Our expert team has years of experience dealing with various types of claims, ensuring that your needs are met and your property is restored to its pre-loss condition.

Fire Damage Insurance Claims: A Step-by-Step Guide to Recovery

TSOAdjustmentService@gmail.com (Dawn Ward) — Fri, 05 Apr 2024 14:00:08 GMT

Dealing with the aftermath of a fire can be a challenging and emotional time. To lighten the burden, it's important to know the essential steps of filing fire damage insurance claims to help you get back on track. As a leading public adjuster in Philadelphia, TSO Adjustment Service is here to provide you with expert guidance and support throughout the entire process. Let's explore the crucial steps to take when handling fire damage insurance claims, and remember, if you need assistance, don't hesitate to contact us today.

Step 1: Notify Your Insurance Company

It's essential to notify your insurance provider as soon as possible after the fire incident. This initial contact will set the ball rolling for your fire damage insurance claim, and your insurer will likely assign an adjuster to assess the damage and determine the appropriate compensation. However, keep in mind that you have the right to hire a professional public adjuster like TSO Adjustment Service to ensure you receive the settlement you deserve.

Step 2: Document the Damage

Once it is safe to do so, begin documenting the damage to your property and possessions. Take photographs, videos, and write detailed descriptions of the affected areas. This documentation will serve as invaluable evidence when filing your insurance claim. If possible, obtain a copy of the official fire report from the local fire department, which can provide additional support for your claim.

Step 3: Prevent Further Damage

As much as safety allows, take immediate measures to prevent additional damage to your property. This may include temporarily covering damaged windows or roofs with a tarp, removing excess water, or boarding up any exposed areas. However, never put yourself at risk when attempting to secure your property. Your safety should always be the priority.

Step 4: Itemize Your Losses

Carefully go through your damaged possessions and create an itemized list of everything that has been affected. Add information such as the item's age, current value, and replacement cost. This list will help both you and your insurance adjuster understand the full extent of your losses, simplifying the negotiation process for the settlement.

Step 5: Review Your Insurance Policy

Familiarize yourself with the terms and coverage in your insurance policy. Understanding your policy will help you have informed discussions with your insurance adjuster and ensure you're aware of any exclusions, deductibles, and limits that may impact your claim.

Step 6: Collaborate With Your Public Adjuster

Hiring a public adjuster like TSO Adjustment Service can make all the difference in achieving the highest settlement possible. We will work closely with you to review your damages, documentation, and insurance policy. Our team of experts will prepare and submit a full claim on your behalf and negotiate tirelessly with your insurance company, ensuring you receive the compensation you deserve.

Step 7: Rebuild and Recover

Once the settlement has been reached, you can now begin the process of rebuilding and recovering your property. Use your insurance claim payout to initiate repairs, replace damaged items, and move forward with confidence.

Dealing with a fire damage insurance claim can be an overwhelming process. However, with the right support and guidance from a reliable public adjuster like TSO Adjustment Service, you can navigate through the steps confidently and build a strong foundation for recovery. Remember, our team of experts is here to advocate for your best interests, providing you with objective advice and ensuring you receive the settlement you deserve.

Don't face the fire damage insurance claim process alone. Contact TSO Adjustment Service today , and let us help you get back on your feet.

Common Misconceptions about Insurance Claims and Public Adjusters

TSOAdjustmentService@gmail.com (Dawn Ward) — Tue, 05 Mar 2024 15:30:00 GMT

Dealing with an insurance claim can be a complex and overwhelming experience. There's a lot of information to absorb, and it can be easy to get misled by various misconceptions and myths. In this blog post, we'll debunk some of the most common misconceptions surrounding insurance claims and public adjusters, ensuring that you have an accurate understanding of the process. Remember, TSO Adjustment Service is here to help - contact us today to get started with your claim.

Misconception #1: Public Adjusters Are Unnecessary

Some people may think that their insurance company will handle everything on their behalf, making the presence of a public adjuster unnecessary. However, insurance companies are in the business of minimizing payouts. By having a public adjuster on your side, you have someone advocating on your behalf and ensuring you receive the best possible settlement.

Misconception #2: Public Adjusters Are Too Expensive

Many people worry about the cost of hiring a public adjuster, but the reality is that they typically work on a contingency basis, meaning their fees are based on a percentage of your insurance claim's payout. This ensures that the public adjuster's interests are aligned with yours. A skilled adjuster can often negotiate a more substantial settlement, which more than justifies their fees.

Misconception #3: Filing a Claim Will Increase Insurance Premiums

While it's true that filing numerous claims in a short span of time can impact your insurance premiums, a single claim will not necessarily have a drastic effect. Insurance companies consider multiple factors in determining premiums, such as location, property value, and claims history. Don't hesitate to file a claim when you face legitimate property damage. Contact TSO Adjustment Service today for assistance with your claims process.

Misconception #4: I Can Handle My Claim On My Own

While it's possible to handle a claim on your own, getting through the process can be time-consuming and complicated. A public adjuster can take the burden off your shoulders, managing every aspect of your claim. From documentation and estimation to negotiations, an expert is essential to ensure the best possible outcome.

Misconception #5: All Claims Take a Long Time to Process

The timeline for processing an insurance claim varies depending on several factors, such as the type and extent of the damage and the efficiency of your adjuster. Partnering with an experienced public adjuster, like TSO Adjustment Service, will streamline the process and help resolve your claim more quickly.

Misconception #6: Insurance Companies Always Pay Out the Full Value of a Claim

Insurance companies will often try to minimize the amount paid out on a claim to protect their bottom line. By having a public adjuster on your side, you increase the odds of receiving a fair and equitable settlement. Public adjusters are familiar with common strategies employed by insurance companies and can negotiate on your behalf to ensure the best outcome.

Insurance claims can be challenging to navigate, and the many misconceptions surrounding them don't help. By hiring a public adjuster, like TSO Adjustment Service, you can clear up any confusion and ensure that you are on the right track to a successful claim.

Don't let common misconceptions hold you back – when dealing with an insurance claim, trust the professionals at TSO Adjustment Service to handle every aspect of your claim. Contact us today for a free policy evaluation and to find out how we can ensure you receive the best possible settlement.

Successfully Negotiating With Your Insurance Company: Insider Tips

TSOAdjustmentService@gmail.com (Dawn Ward) — Tue, 06 Feb 2024 15:00:06 GMT

Navigating the complex world of insurance claims can feel daunting, especially when trying to negotiate a fair settlement with your insurance company. At TSO Adjustment Service, we understand the challenges policyholders face. In this blog post, we will share some insider tips to help you negotiate successfully with your insurance company and get the most out of your insurance claim .

Understand Your Insurance Policy

Before engaging in any negotiation, it's essential to understand the terms and conditions of your insurance policy. Familiarize yourself with the coverage limits and policy exclusions to know what you can expect in a settlement. Knowing your policy inside out can help ensure you don't settle for less than what you deserve.

Document All Damages Thoroughly

A well-documented claim is the foundation of a strong negotiation. Take detailed photos of all the property damages and make a comprehensive list of broken or destroyed items. Keep all receipts related to the damages and expenses incurred. Staying organized during this process ensures you have all necessary documents to support your claim.

Get an Independent Estimate

Insurance companies often rely on their adjusters to assess the damages and provide an estimated repair cost. To negotiate a fair settlement, it's essential to get an independent estimate of the damages from an experienced and reputable professional. Compare this independent estimate with the insurance company's offer to understand the difference and have a stronger negotiating position.

Be Patient and Persistent

Negotiating a fair settlement takes time and patience. Insurance companies may initially provide a lowball offer, hoping you'll accept it without questioning. Don't be afraid to push back and stand your ground. Be persistent in highlighting the damages and expenses incurred, as documented in the claim, and remind the insurer of its responsibilities under the policy.

Enlist the Help of a Public Adjuster

Having a public adjuster by your side can be invaluable during the negotiation process. At TSO Adjustment Service, our experienced public adjusters have in-depth knowledge of insurance policies and the claims process. They can provide expert guidance and support to ensure that you achieve the best settlement possible.

A public adjuster acts as a mediator between you and the insurance company, ensuring that your interests are protected throughout the negotiation process. They help with analyzing your policy, documenting the claim, presenting it to the insurer, and negotiating on your behalf to get a fair settlement.

Don't Be Afraid to Escalate

If you feel that your insurance company is acting in bad faith or not honoring the terms of your policy, don't hesitate to escalate the situation. This may include filing a complaint with the insurance department in your state or engaging an attorney who specializes in insurance disputes.

Negotiating with your insurance company may seem intimidating, but with the right approach and assistance, you can ensure a fair and just settlement. By understanding your insurance policy, thoroughly documenting all damages, staying patient and persistent, and enlisting the help of a public adjuster, you can improve your chances of success in the negotiation process.

If you need guidance or support with your insurance claim, TSO Adjustment Service is here to help. Our team of experienced public adjusters can handle every aspect of your claim, from documentation to negotiation, so you can focus on what matters most – your recovery. ** Contact us today ** at 215-886-7440 for a free in-home inspection, policy review, and the professional support you need to maximize your insurance claim settlement.

How to Document Your Claim: Tips for Efficient Record-Keeping

TSOAdjustmentService@gmail.com (Dawn Ward) — Mon, 08 Jan 2024 15:00:01 GMT

Dealing with the aftermath of unforeseen damage to your property can be stressful and time-consuming. When filing an insurance claim , accurate documentation is crucial for ensuring a swift, fair settlement. In this blog, we'll discuss some tips for efficient record-keeping and how TSO Adjustment Service can assist you through the process.

Take Photos and Videos of Damage

Visual evidence is essential for supporting your claim. As soon as it is safe to do so, take high-quality photos and videos of all damaged areas, both inside and outside your property. Be thorough and capture multiple angles, as this will help you provide a comprehensive overview of the damage.

Keep a Written Record of Events

Maintain a detailed written account of the events leading up to and following the damage. Note the date and time of the incident, any external factors (such as storms), the discovery of damage, and all interactions with your insurance company. This will help during claim negotiations, as it provides a clear timeline.

Preserve Damaged Items

Whenever possible, keep damaged items as evidence for your insurance claim. Do not dispose of damaged items until the claim process is complete, as your insurance company might request to inspect them. If you must discard an item due to health or safety concerns, take thorough photos and videos to provide as evidence.

Maintain an Inventory of Damaged Items

Creating an inventory of damaged items can help streamline the claim process and ensure you receive compensation for all lost or damaged possessions. Make a list of each item, its value, and any available purchase receipts. Be as detailed as possible in your descriptions. You can also include photos and videos of the damaged items.

Obtain Estimates for Repairs

Reach out to trusted contractors for repair estimates on damaged areas of your property. Obtaining multiple quotes demonstrates due diligence and can help support your claim. Communicate with your public adjuster at TSO Adjustment Service to ensure that you have all necessary documentation for submitting these estimates.

Stay Organized

Keeping all documentation in a dedicated folder or binder is crucial for efficient record-keeping. This includes photos, videos, written records, inventory lists, receipts, and repair estimates. Staying organized will help you easily reference and share your documentation during the claim process.

Utilize Electronic Record-Keeping

Having digital copies of all your records provides an added layer of protection, ensuring crucial information isn't lost. Store your digital files on a secure cloud storage platform or external hard drive and regularly update them with any new documentation.

Communicate with Your Public Adjuster

Your public adjuster is there to guide you throughout the claims process. Keep them informed of all updates and share any new documentation promptly. Their expertise will help you navigate the claims process with ease and ensure that you receive the settlement you deserve.

Dealing with an insurance claim on your own can be overwhelming. With TSO Adjustment Service, you can rest assured that our expert public adjusters will handle every aspect of your insurance claim, from documentation to negotiation. Our extensive experience and knowledge of the Greater Philadelphia Region will be invaluable in maximizing your settlement. Contact today to schedule your free in-home inspection and policy review and let TSO Adjustment Service take the hassle out of your insurance claim.

A Guide to Storm Damage Insurance Claims in Philadelphia

TSOAdjustmentService@gmail.com (Dawn Ward) — Mon, 04 Dec 2023 15:00:07 GMT

When a storm hits, the damage to your property can be devastating. While you may feel overwhelmed by the situation, knowing how to navigate through the process of filing an insurance claim is essential in these difficult times. This guide will walk you through the process of filing a storm damage insurance claim in Philadelphia and explain how TSO Adjustment Service can help you obtain the best possible result for your claim.

Assessing the Damage:

The first step in handling storm damage is to assess the extent of the damage to your property. This can be a daunting task, especially if you're unsure of what to look for. As a public adjuster in Philadelphia, TSO Adjustment Service provides expert assistance to help you determine the damage to your property. With 27 years of experience, we are familiar with the types of damages that Philadelphia residents commonly face after a storm.

Taking Pictures and Documenting the Damage:

After you've assessed the damage, it's essential to take pictures of everything. Be sure to get shots from a variety of angles and ensure that you properly document any structural damage or destroyed personal items. This visual documentation will serve as crucial evidence during the claim process. TSO Adjustment Service can provide guidance on how to properly document your loss to support your storm damage insurance claim.

Notifying Your Insurance Company:

Now that you've documented the damage, it's time to notify your insurance company. Most insurance carriers require prompt notification of any damage, often within a certain time frame after a storm or other events. When you work with TSO Adjustment Service, we can ensure your claim is reported quickly and meets all guidelines. This significantly reduces the risk of claim rejection or delays.

Understanding Your Policy and Coverage Limits:

One critical aspect of storm damage insurance claims is understanding your insurance policy and coverage limits. Policies can often be confusing, but TSO Adjustment Service is here to help you comprehend the terms and limits of your policy. We will study your policy to ensure that you are aware of your deductible, whether certain damages are excluded from your policy and how much coverage you have for your property.

Preparing and Submitting a Claim:

Once you've notified your insurance company and understood your policy coverage, it's time to prepare and submit your claim. This process can be complex and possibly overwhelming for a property owner facing the aftermath of a storm. TSO Adjustment Service will alleviate this burden by professionally preparing and submitting your claim on your behalf, ensuring that it is accurate and thorough.

Negotiating a Fair Settlement:

As the storm damage insurance claim process progresses, your insurance company may propose a settlement that may not adequately cover your damages. As public adjusters, TSO Adjustment Service will negotiate with your insurance company on your behalf to obtain a fair settlement that covers your losses. Our expertise and years of experience ensure that we know your rights and will advocate in your best interest throughout the negotiation process.

Dealing with a storm damage insurance claim can be a stressful and time-consuming process, but TSO Adjustment Service, a public adjuster in Philadelphia, is prepared to help you every step of the way. From assessing the damage to negotiating a fair settlement, we are dedicated to making the process simple and ensuring that you get the best possible results. Our experience and dedication give Philadelphia residents the confidence and peace of mind in knowing that their claims are in capable hands.

Don't face storm damage insurance claims on your own. For prompt and professional assistance, contact TSO Adjustment Service today , and let our team get you the settlement you deserve.

The Benefits of Hiring a Public Adjuster for Your Insurance Claim

TSOAdjustmentService@gmail.com (Dawn Ward) — Thu, 02 Nov 2023 14:00:06 GMT

Dealing with an insurance claim can be overwhelming, especially when you're navigating the process on your own. A public adjuster can alleviate much of the burden while advocating on your behalf to help maximize your settlement. In this blog post, we'll explore the key benefits of hiring a public adjuster for your insurance claim and why you should contact TSO Adjustment Service today.

1. Expertise in Insurance Claims Process

A public adjuster brings valuable expertise to the table. With their keen understanding of insurance policies, claims procedures, and relevant state laws, an adjuster can effectively navigate the complexities of the process on your behalf. This includes analyzing policy coverage, ensuring compliance with claim requirements, and negotiating with the insurance company to deliver the best possible settlement for you.

2. Time-saving and Stress Relief

When you're dealing with an insurance claim, it's common for the process to consume a significant amount of time and energy. Handling the paperwork, making phone calls, and adhering to deadlines adds up quickly. By hiring a public adjuster, you can focus on your personal life and daily responsibilities while they manage your claim. This peace of mind is invaluable during what's often a stressful and challenging period.

3. Accurate and Comprehensive Claim Estimates

Public adjusters have the skills and tools needed to conduct a thorough assessment of the damages and losses associated with your insurance claim. By evaluating the extent of the damage, estimating repair costs, and accounting for any additional living expenses, a public adjuster ensures you're submitting an accurate and comprehensive claim to your insurance company. With their extensive knowledge of the industry, public adjusters ensure nothing is overlooked.

4. Improved Claim Results

Typically, when you negotiate with an insurance company directly, there's a risk of accepting a lower settlement than necessary. Public adjusters, on the other hand, are experienced in negotiating with insurance companies and will work tirelessly to reach a fair and just settlement for your claim. Moreover, several studies have shown that claims handled by public adjusters often result in higher settlements compared to those managed by policyholders themselves.

5. No Upfront Costs

One of the many advantages of working with a public adjuster is that they typically operate on a contingency fee basis. This means you don't have to worry about any upfront costs; instead, their payment comes as a percentage of your final settlement amount. It's a win-win situation - the better the settlement, the more you both benefit.

6. Representation in Disputed Claims

In the unfortunate circumstance where your claim is denied or disputed, having a public adjuster on your side can be invaluable. With their comprehensive understanding of insurance policies and state laws, public adjusters can build a strong case on your behalf and challenge the insurance company's decision. They act as your advocate throughout the dispute, to fight for the settlement you truly deserve.

Hiring a public adjuster for your insurance claim is a wise decision that comes with numerous benefits, including expert handling of your claim, time-saving, accurate estimates, improved claim results, and representation in disputed situations. By putting your claim in the hands of professionals like TSO Adjustment Service, you stand a much better chance of receiving a fair and just settlement.

When you're facing the challenges of an insurance claim, give yourself the support you need by partnering with TSO Adjustment Service. Our team of dedicated public adjusters in Philadelphia has the experience and expertise necessary to navigate the claims process for you, ensuring you receive the settlement you deserve. Don't go through this process alone.

If you're ready to experience the benefits of having a public adjuster on your side, contact TSO Adjustment Service today . Let us handle your insurance claim while you focus on what matters most.

Catastrophic Loss Insurance Claims: What You Need to Know

TSOAdjustmentService@gmail.com (Dawn Ward) — Wed, 04 Oct 2023 14:00:15 GMT

Dealing with insurance claims can be challenging, but addressing catastrophic losses elevates both the financial and emotional stakes to entirely new heights. In these difficult times, TSO Adjustment Service aims to alleviate stress and ensure you receive the compensation you rightfully deserve. Gain the necessary understanding of catastrophic loss insurance claims with this comprehensive guide.

What Constitutes Catastrophic Loss?

Catastrophic loss refers to a severe and unexpected event that results in significant damage to a property. Examples include natural disasters like hurricanes, tornadoes, floods, or earthquakes, as well as human-caused catastrophes like fires, explosions, or acts of terrorism. These devastating situations can lead to financial burdens, emotional distress, and immense disruption to daily life.

The Importance of Adequate Coverage

Before disaster strikes, it is crucial to ensure you have adequate insurance coverage for your property. Review your policy to confirm its terms, limits, and exclusions, and make any necessary adjustments to guarantee comprehensive protection. Assess your property's value and potential risk factors, then consider investing in additional coverage or riders to address specific concerns, such as floods or earthquakes.

Seeking Assistance From TSO Adjustment Service

In the event of catastrophic loss, consider partnering with TSO Adjustment Service. As experienced public adjusters, we understand the nuances of insurance claims and can leverage our expertise to maximize your settlement. We’ll work diligently on your behalf, handling all aspects of the claims process, including compiling documentation, coordinating with insurers, and negotiating settlements.

The Catastrophic Loss Claims Process

1. Contact TSO Adjustment Service: In the aftermath of a catastrophe, your focus should remain on your family and recovery. Contact TSO Adjustment Service as soon as possible, and our team will conduct a free in-home inspection and policy review.

2. Assessment and Documentation: Our public adjusters will assess the damage, identifying both visible and hidden losses. We will create a detailed inventory of damaged belongings and help you document all necessary proof for a strong claim.

3. Estimating Property Loss: TSO's experts will meticulously estimate your property's total loss, evaluating all possible factors to ensure a fair and accurate calculation.

4. Filing the Claim: As part of our comprehensive support, we will prepare and submit your catastrophic loss insurance claim, managing all paperwork and communication with your insurance company.

5. Negotiating Settlement: TSO Adjustment Service will negotiate on your behalf to achieve the best possible settlement. Our vast experience with claims empowers our team to secure the compensation you deserve, allowing you to focus on recovery and rebuilding.

When To Seek Legal Assistance

While TSO Adjustment Service strives to provide the best possible outcome for your claim, sometimes the insurance company may be uncooperative or dispute your settlement. In these cases, it's essential to consult with a legal professional skilled in insurance claims and disputes. We can recommend attorneys experienced in this field, ensuring you receive the guidance necessary to navigate this additional challenge.

Catastrophic losses can severely affect your life, but understanding the necessary steps to file an insurance claim and partnering with TSO Adjustment Service can make all the difference. Trust our team's extensive experience and dedication to guiding you through the claims process, ensuring your compensation reflects the full extent of your loss. Don't face catastrophic loss insurance claims alone; contact TSO Adjustment Service today. Our expert team is committed to providing outstanding service for all your claim-related needs.

For a free in-home inspection and policy review, contact TSO Adjustment Service today at 215-886-7440. Our experienced public adjusters are ready to stand by your side, assisting you throughout every phase of the catastrophic loss insurance claims process.

How to Protect Your Property: Vandalism & Theft Insurance Claims Explained

TSOAdjustmentService@gmail.com (Dawn Ward) — Tue, 05 Sep 2023 14:00:06 GMT

As a property owner, one of your top priorities is ensuring the safety and security of your property and its belongings. However, despite the best precautions, incidents of vandalism and theft can still occur. In these situations, having vandalism and theft insurance is crucial in helping you recover and restore your property. In this blog post, we will explore the process of filing a vandalism or theft insurance claim , as well as some tips for preventing these unfortunate incidents.

Know What's Covered: Understanding Vandalism and Theft Insurance Policies

Before diving into the claims process, it's essential to be familiar with your specific insurance policy and the coverage it provides. Vandalism and theft insurance typically covers damage to your property caused by intentional acts of maliciousness or theft. This includes:

- Damage to the exterior or interior of your property

- Stolen or damaged personal belongings

- Necessary repairs or replacements

- Lost income due to property disruption (for commercial policies)

However, not every policy may provide the same level of coverage, so it's crucial to contact your insurance agent to discuss the specifics of your policy.

The Claims Process: Filing a Vandalism or Theft Insurance Claim

If you have experienced vandalism or theft, follow these steps to successfully file an insurance claim:

1. Report the incident: First and foremost, call the local authorities to report the vandalism or theft. Request a copy of the police report as it will be required when submitting your insurance claim.

2. Document the damage: Take thorough photos or videos of the damages, including any items that were stolen or destroyed. This visual evidence is essential when presenting your case to the insurance company.

3. Secure the property: Make any necessary temporary repairs to prevent further damage or loss, but avoid making any permanent changes until after you've consulted with your insurance adjuster.

4. Contact your insurance company: Notify your insurer of the incident and provide them with the details of the damages, including date, time, and description of the vandalism or theft. Submit the police report and any other documentation requested.

5. Work with a public adjuster: To ensure you receive the best possible settlement for your vandalism or theft insurance claim, consider hiring a public adjuster like TSO Adjustment Service. They will help you navigate the complex claims process, negotiate with your insurance, and secure the settlement you deserve.

Preventing Vandalism and Theft: Steps to Protect Your Property

While insurance can provide financial assistance following a theft or vandalism incident, it's always best to take preventative measures to avoid such situations. Consider implementing the following strategies to bolster your property's security:

- Install security cameras and alarms to deter potential thieves and vandals

- Keep the property well-lit and unobstructed, eliminating potential hiding spots

- Lock all windows and doors when you're not home or when your business is closed

- Maintain a neat and well-kept exterior, which can discourage vandals

- Collaborate with neighbors and local law enforcement to create a safer community

Let TSO Adjustment Service Guide You Through the Claims Process

Navigating the world of vandalism and theft insurance can be overwhelming, especially when dealing with the emotional turmoil of experiencing such incidents. By partnering with TSO Adjustment Service, you can rest assured that our expert team of public adjusters will manage your claim and fight for a fair settlement on your behalf.

If you've experienced vandalism or theft, don't hesitate to benefit from our experience and expertise. Contact us today for a free in-home inspection and policy review, and let us help you restore your property and get back to normal life as soon as possible.

Navigating Water and Smoke Damage Insurance Claims

TSOAdjustmentService@gmail.com (Dawn Ward) — Thu, 03 Aug 2023 14:00:06 GMT

Dealing with water and smoke damage can be a traumatic experience for property owners. Knowing how to proceed with insurance claims during these difficult times can help alleviate some stress and ensure timely and appropriate compensation. In this blog post, we will discuss the process of water and smoke damage insurance claims and how TSO Adjustment Service can help.

Assess the Damage: Immediate Action and Documentation

When faced with water or smoke damage, it is essential to take immediate action to prevent any further damage. In the case of water damage, quickly identify the source of the leak and take necessary steps to contain it. For smoke damage, make sure to ventilate the area and minimize the impact of smoke residue on your belongings.

Once the situation has been stabilized, it's time to document the evidence. Take photos and videos of the affected areas, note the extent of the damage, and make a list of damaged items. This information will play a crucial role in supporting your insurance claim.

Understand Your Insurance Policy and Coverage

Before initiating a claim, take the time to thoroughly review your insurance policy. This will help you determine the coverage limits, deductible amounts, and any specific clauses or exclusions related to water or smoke damage. Knowing these details will enable you to set realistic expectations and avoid surprises during the claims process.

File the Claim: Timely Reporting is Essential

After assessing the situation and familiarizing yourself with your policy, it's time to file the claim. Contact your insurance company and provide them with the necessary information, including the date of the incident and the nature of the damage. Be prepared to answer their questions and provide documents such as photos, videos, and lists of affected items.

Remember that timing is crucial when filing a water and smoke damage claim. A delayed claim may lead to complications and even coverage denial. Therefore, it's essential to act promptly and report the incident within the timeframe specified in your insurance policy.

Working with a Public Adjuster: Ensuring Your Best Interest

Navigating the claims process can be complicated, and insurance companies often aim to minimize their payout. In such situations, partnering with TSO Adjustment Service, a full-service public adjuster in Philadelphia, can prove invaluable. Our team of experts is dedicated to managing every aspect of your insurance claim and ensuring that you receive the best possible settlement.

Here's how TSO Adjustment Service can assist you in your water and smoke damage claims journey:

- Thorough assessment of the damage and accurate estimation of the claim amount based on our expertise in the industry.

- Assistance in documenting the incident to ensure that all necessary information is gathered and presented in the best possible manner.

- Representing your interests and negotiating a favorable settlement with the insurance company on your behalf.

By working with TSO Adjustment Service, you not only relieve yourself of the stress and hassle of dealing with insurance claims but also maximize your chances of receiving the settlement you deserve.

Water and smoke damage incidents can be distressing, and navigating the insurance claims process can add to the difficulty. With over 27 years of experience, TSO Adjustment Service can effectively manage your claims and ensure that you receive the compensation you deserve. Our team of professional public adjusters is dedicated to providing you with top-notch service, guiding you through each step of the claims process.

Don't risk being shortchanged by insurance companies during these challenging times. Contact TSO Adjustment Service today for a free in-home inspection and policy review, and let our team of experts handle your water and smoke damage insurance claims.

A Deep Dive into Filing a Catastrophic Loss Claim

TSOAdjustmentService@gmail.com (Dawn Ward) — Sat, 29 Jul 2023 14:29:51 GMT

Suffering any form of catastrophic loss , whether due to fire, hurricane, or other natural disasters, can be overwhelming. Amid such tumultuous times, understanding the intricacies of filing a catastrophe claim can be instrumental in navigating the path towards recovery. In this post, we delve into the topic, discussing key aspects such as what qualifies as catastrophe in the insurance industry, documentation required for filing a catastrophe claim and what ensues afterwards.

How is Catastrophe Defined by the Insurance Industry?

In insurance terms, a catastrophe is defined as a significant, unforeseen, and often destructive event causing sizeable loss and damages. Events such as wildfires, hurricanes, and large-scale floods fall into this category. Most home insurance policies provide specific coverage for ‘acts of God’ or catastrophic events.

Damage Caused by Fire, Hurricane, or Other Natural Disaster

A catastrophe can cause extensive damage to your home, personal belongings, and vehicles. For example, a fire could gut your entire property while a hurricane might damage your home’s roof or flood your property. The damage caused can register severe financial implications, hence the necessity of having an insurance policy that covers such events is critical.

What is the Process for Filing a Catastrophe Claim?

Filing a catastrophe claim does not differ vastly from other insurance claims. The first step entails contacting your insurance provider as soon as possible to report the damage. Often, insurers will deploy catastrophe claims adjusters to affected areas in the aftermath of a disaster to expedite the claims process.

Following this, an adjuster will be assigned to inspect the extent of the damage, establish its cause, and estimate the cost of repair or replacement. It’s during this stage that proper documentation of losses becomes essential.

What Documentation Do You Need to Provide?

Extensive documentation is fundamental to successfully filing for catastrophe claims. First off, you’ll need to provide a comprehensive list of all damaged items and estimated repair costs. Additionally, remember to include essential policy documents and proof of loss forms.

Photographic or video evidence chronicling the property damage can be invaluable in strengthening your claim. Receipts for emergency repairs, living expenses (in the event that you have to relocate), and any other costs likewise matter.

What Happens After Filing a Catastrophe Claim?

Following the adjuster’s assessment and documentation, the insurance provider will proceed with claim evaluation. If approved, payout can come in various ways – some insurers opt for a lump-sum while others may disburse funds in stages. Consequently, it’s important to grasp your insurer’s procedures for claim payout.

If for any reason, you're not content with the evaluation carried out by your insurer’s adjuster, most policies allow for independent assessments. Should disagreements persist, seeking the assistance of professional adjusters or legal counsel is recommended.

Navigating the complex catastrophe claims process can often be challenging. This is where professional catastrophe claims adjusters, like those at tso adjustment service, can be instrumental. We help you make sense of your policy, collate necessary documentation, analyze your loss thoroughly, and work towards timely settlements. Encounter a catastrophic injury claim? We’re here to assist. Contact tso adjustment service today and let us help turn your catastrophic loss into a manageable recovery process.

Protecting Your Home from Flooding & Natural Disasters

TSOAdjustmentService@gmail.com (Dawn Ward) — Sat, 24 Jun 2023 17:16:36 GMT

Natural disasters are an unfortunate reality for homeowners, and the ensuing water damage can lead to extensive and costly repairs. To adequately protect your home from the devastating effects of floods and natural disasters, it's essential to understand your insurance coverage, policy limitations, and preventative measures. In this article, we'll delve into water damage insurance, common flooding types, and how to protect your home from these events.

1. What Does Water Damage Insurance Cover?

Water damage insurance provides financial protection against losses incurred due to water entering your home from external sources. This coverage typically includes damage resulting from rainstorms, flash floods, and overland flooding. It's important to note that water damage insurance does not cover damage caused by internal plumbing issues or groundwater seepage, which may fall under a separate category within your homeowner insurance policy.

2. Three Common Types of Flooding/Water Damage

Understanding the various types of flooding and water damage can help you better prepare and protect your home. Here are three common causes of flood damage:

a. Rain-Related Flooding: One of the most frequent causes of water damage, rain-related flooding occurs when heavy rainfall overwhelms local drainage systems, allowing water to pool around your home's foundation. If your drainage system fails or gets clogged, your home may be vulnerable to leaks and seepage.

b. Overland Flooding: Also known as river or creek flooding, overland flooding typically occurs during periods of prolonged rainfall and rapid snowmelt. As rivers and streams exceed their capacity, water may overflow onto nearby land, causing extensive damage to homes in the affected area.

c. Flash Floods: Often occurring with little warning, flash floods are the result of sudden, torrential rainfall, usually associated with severe weather events like thunderstorms. Flash floods can cause rapid water level rises, resulting in significant damage to properties and posing a serious risk to human safety.

3. Review Your Existing House Insurance Coverage, Policy Limitations, and Exceptions

To ensure you are adequately protected against water damage and flooding, take the time to review your homeowner insurance coverage. Here are some things to consider:

- Check your policy limits: Verify the maximum coverage amount provided by your water damage insurance. If the limits are too low, you may want to consider purchasing additional coverage to protect your family and property adequately.

- Understand policy exclusions: Some water damage insurance policies may contain exclusions for specific types of flooding or damage, meaning they will not cover losses resulting from those causes. For example, some policies may exclude coverage for damage caused by sewer backups, groundwater seepage, or flood events not classified as 'flooding' under your policy's terms.

- Maintenance requirements: Your insurance provider may require you to maintain your property and take specific actions to prevent water damage. Failing to fulfill these requirements could result in a denied claim if you experience a flood or water damage event.

4. Reach Out to Us to Learn About Additional Coverage Options

If you find that your homeowner insurance is insufficient to cover your water damage and flood-related needs, consider exploring additional coverage options. Reach out to us for assistance in understanding your policy limitations and identifying the best course of action for protecting your home from water damage and natural disasters.

In conclusion, protecting your home from flooding and water damage involves understanding your insurance coverage, staying aware of common flood risks, and taking preventative measures to minimize the potential for damage. By educating yourself on the dangers of flood damage and insurance claims, you can take steps to safeguard your home and ensure that you have the necessary financial protection in case of a natural disaster.

Is your home adequately protected against water damage and flooding? Contact TSO Adjustment Service today to review your homeowner insurance coverage and assess your flood protection needs. Our expert team can help you navigate the complexities of insurance claims, ensuring that your home remains secure and well-guarded against natural disasters.

Why You Should Hire a Public Insurance Adjuster

TSOAdjustmentService@gmail.com (Dawn Ward) — Sun, 28 May 2023 05:11:37 GMT

Dealing with insurance claims can be a daunting and time-consuming process, especially when you have limited knowledge of the procedures involved. This is where a public insurance adjuster comes in. By hiring a public adjuster, you ensure that you receive the maximum compensation for your insurance claim, while also saving time and reducing stress. In this post, we will explore what a public adjuster does, what to expect when hiring one, and how to choose the right adjuster for your needs.

1. What is a Public Adjuster?

A public adjuster is a licensed professional who specializes in handling insurance claims on behalf of policyholders. Unlike insurance company adjusters who represent the interests of the insurer, public adjusters advocate for the insured, ensuring their claim is handled fairly and accurately. Hiring a public adjuster near you can make a significant difference in the outcome of your insurance claim, helping you to secure the maximum compensation for which you are entitled.

2. What Does a Public Adjuster Do?

The primary role of a public adjuster is to represent your interests during the insurance claim process. This involves:

- Reviewing your insurance policy to determine your coverage and any exclusions or limitations that apply.

- Inspecting and documenting the damage to your property, as well as gathering any necessary evidence to support your claim.

- Preparing an accurate and detailed estimate of the cost to repair or replace your damaged property.

- Submitting your claim to the insurance company, along with all necessary documentation and evidence.

- Negotiating with the insurance company on your behalf to reach a fair and reasonable settlement.

- Handling any necessary paperwork and communications with the insurance company.

3. What Should You Expect by Hiring a Public Adjuster?

By hiring a public adjuster to handle your insurance claim, you can expect to benefit from their expertise in policy interpretation, damage assessment, and negotiation skills. Here are some advantages of hiring a public adjuster:

- Higher Claim Settlement: Studies have shown that hiring a public adjuster can result in significantly higher claim settlements than those handled by the policyholder alone. This is because public adjusters are well-versed in the intricacies of insurance policies and can identify items that may have been overlooked or undervalued.

- Time Savings: Dealing with insurance claims can be time-consuming and complex. A public adjuster will handle all aspects of the claim process on your behalf, allowing you to focus on other tasks and priorities.

- Reduced Stress: The aftermath of a disaster or property loss can be overwhelming, and dealing with insurance claims adds to the stress. Hiring a public adjuster can ease the burden of the claims process, providing you with peace of mind.

- Fair Representation: As an impartial professional, a public adjuster represents your interests and ensures that your claim is handled fairly and accurately.

4. How to Choose a Public Adjuster?

When searching for a "public adjuster near me," consider the following factors to ensure you choose the right professional for your needs:

- Licensing and Credentials: Ensure that the public adjuster you choose is licensed and in good standing in your state. You can verify their license status with your state's insurance department.

- Experience: Look for a public adjuster with experience handling claims similar to yours, as they will have the necessary knowledge and expertise to navigate your specific situation.

- Reviews and References: Check online reviews and ask for references from previous clients to get a sense of their reputation and the quality of their work.

- Communication: Choose a public adjuster who is responsive and easy to communicate with, as this will make the entire process smoother.

In conclusion, hiring a public insurance adjuster can significantly improve the outcome of your insurance claim, saving you time and reducing stress. With their specialized knowledge and experience, public adjusters advocate for your best interests, ensuring you receive the maximum compensation for your claim.

Ready to hire a public adjuster to handle your insurance claim? Contact TSO Adjustment Service today for personalized assistance and professional expertise.

Theft & Vandalism Insurance: Everything You Need to Know

TSOAdjustmentService@gmail.com (Dawn Ward) — Sat, 29 Apr 2023 02:45:01 GMT

Having your house broken into is traumatic, leaving you feeling violated and unsafe in your own home. Theft and vandalism cause extensive damage and even irreparable loss of stolen items.

Yet, there is some hope of not paying out of pocket for your losses. Your home insurance policy helps recover the value from damaged and stolen goods, but you must know how to file a claim for theft and vandalism to maximize your claim.

What Qualifies as Theft and Vandalism to Submit a Claim?

Theft qualifies as having personal property removed without authorization from the owner, whereas vandalism involves property damage without theft. For example, graffiti on walls or broken fixtures qualifies as vandalism.

While damage to doors and windows is common in burglaries, they would be included under theft when you claim your homeowner insurance. Therefore, it is vital to follow all instructions as you determine the extent of stolen property and vandalized areas for both the authorities and your insurance company.

What Are the Best Steps to Follow?

Follow these steps to make your insurance claim:

Call the police and report any theft and vandalism.
Allow authorities to investigate and clear the area for your safety.
Call your home insurance company to notify them of the incident.
Review your home insurance policy for coverage details.
Take photos and document any damages and stolen goods.
Send your findings to your insurance company for their adjuster to assess.
Secure the property as needed. (Change locks, board broken windows, etc.)
Arrange somewhere to stay if necessary and inform your insurance company about these living expenses.

Your safety is always the first concern when your home has been broken into or vandalized. Whether you are home during the incident or not, you should call the police immediately and ensure that no one is still inside your home or hiding on the property. Once allowed, you can begin documenting the damage and the missing items for the police and your insurance company.

What Information Do You Need to Document?

The stress and anxiety that these issues cause can make you overlook vital elements of your insurance claim documentation, missing small but essential details. So, here is a list of what you should include:

Any photos or video from security cameras
Photo documentation of each room or area
Pictures of broken locks, windows, and entry points
A physical list of all broken, damaged, and missing items or property
Document the home’s interior and exterior, including any outbuildings, if affected
Proof of purchase, warranty, or owners manuals of items

How Soon After to Submit the Claim?

Knowing when to file a theft claim is extremely important. Any delay could lead to your insurance provider questioning the authenticity of your claim or, worse, declining it outright.

To avoid this, you should first notify them of the theft or vandalism. Then, once you have finished documenting the damage and losses, you should submit your claim along with the police report as soon as possible.

Take the Guesswork Out of Filing Theft Claims

No one needs the additional stress of having a difficult time filing theft claims, and it is easy to get overwhelmed with the process after a home intrusion. That’s where TSO Adjustment Service steps in and works with the insurance company on your behalf. Rather than managing the claim on your own, a TSO adjuster will help assess the damages and provide a thorough claim that ensures you get the maximum payout.

Let their professional and knowledgeable staff take care of the insurance claim details so you can rest easy again. Schedule your consultation online or call 215-886-7440 today!

3 Surprising Facts About Fire Damage

Sat, 25 Mar 2023 07:23:00 GMT

Fires are scary and life-altering when they tear through your home. The loss from fire damage can be extensive, whether contained in one room or spread into other areas. Yet, fire damage isn’t limited to the flames; it involves smoke, structural issues, and firefighting methods.

Unfortunately, your fire damage insurance provider can make a stressful situation even more challenging. So, to better understand fire damage and how much your insurance covers, let’s look at three surprising facts you may want to know.

Summer is the Peak Month For Fire Damage

There are many fire risks no matter the month; however, summertime is the peak fire season. Summer activities such as BBQing and grilling, campfires, and summer storms increase the risk of fires, leading to devastating fire damage and loss of life.

Some common summertime fire culprits include:

Discarded or unattended cigarettes
Natural gas or propane fires from BBQs or improper storage
Lightening strikes
Unattended campfires or cooking appliances
Arsen

Even increased air conditioning use can increase fire risk if improperly installed and maintained.

Smoke Damage is Toxic and Difficult to Clean

Anyone who has ever burned something on the stove knows that smoke lingers annoyingly. Flapping a t-towel over the smoke alarm may get the loud beeping to stop, but the odor sticks around, sometimes for days. Amplify this effect from a more significant house fire, and you know there is a severe problem beyond the flames.

Containing a fire to one area or room is possible, but the smoke it creates will permeate the entire house. Smoke knows no boundaries and finds its way into walls, insulation, flooring, fabrics, and clothing. It isn’t a matter of simply opening doors and windows to air out the space, either. The burning smell saturates everything and requires professional cleaning to remove.

Fire Suppression Methods May Result in Water Damage as Well

When fires get dangerously out of hand, calling 911 for help brings firefighters and all the equipment necessary to extinguish the flames and save lives. Their goal is to remove anyone from inside the building and contain the fire, minimizing damage using whatever tools and techniques are available.

Fighting your fire may include:

Water
Fire retardant
Axes, shovels, ladders
Pumps, hose, nozzles
Large equipment like helicopters, bulldozers, and firetrucks

The most common firefighting method is water, suppressing and smothering the flames, getting everywhere. So water damage usually follows, making an even larger mess.

Contacting Your Insurance Provide Right Away Is Important

Once the flames are out and everyone is safe, contacting your home insurance provider is essential. Notifying them kicks your fire damage insurance into action, and they will give you specific instructions for what to do next.

You must not begin removing items or altering the scene until the insurance adjuster has a chance to inspect the damage and take photos. You should start retrieving items only when they give you clearance because it can significantly affect your claim, even voiding it if the insurance company feels you are interfering or dishonest.

Don’t Tackle Your Fire Damage Insurance Claims Alone

Thankfully, you don’t have to face the loss from fire damage alone. While insurance companies try to make the claim process easy, they may undervalue or miss vital information that could lower your payout. Now, you can rely on the professional adjusters at TSO Adjustment Service in Fort Washington, PA., to act as an intermediary between you and your insurance company.

Their friendly, knowledgeable staff will ensure you are adequately represented and optimize your insurance payout. Focus on rebuilding and recuperating from your house fire without the added stress of insurance negotiating.

Put TSO into action! Schedule your consultation online or call 215-886-7440 today!

A Guide to Submitting Damage Claims

Sat, 04 Mar 2023 14:02:22 GMT

Sometimes, life can be unpredictable. You never know when a natural disaster, fire, storm, or vandalism may strike, causing terrible and costly property damage. Even homeowner error or a system malfunction can lead to submitting a property damage claim .

Yet, not everyone understands their homeowner insurance or how to submit a claim properly, leading to under-capitalized refunds or, worse, claim denial. This helpful guide will help you avoid such problems and give you all the ins and outs of maximizing your property damage claim.

Gather All the Documentation You Need Before Filing a Claim

First, always consider your safety as the number one priority. Do not enter the property if you have a break-in, structural damage, or the potential for water near an electrical source. Once it is safe to do so, and fire or police have cleared you to enter (if applicable), you will need to immediately notify your insurance provider and begin gathering all relevant documentation.

Property damage can include structures, land, and personal belongings. So your provider may need a variety of documents. For example, you will need the following:

Your Insurance Policy Number
Fire or Police Report
Proof of Ownership (i.e., receipts, copies of improvements, inventory list of household items)

Your homeowner insurance provider will often direct you on what documents and information to gather and what steps to take.

Make Sure You Have a Clear Understanding of Your Policy’s Coverage

When submitting a property damage claim, you must know what your policy covers and what it doesn’t. For example, acts of God, or natural disasters, such as floods or earthquakes, may not qualify, leaving you in a financial pickle to repair your property.

Carefully review your home insurance policy and determine if you are entirely covered before an occasion calls for a claim. Then, speak with your insurance broker to add adequate coverage.

Take Plenty of Photos of Your Damage

Again, when it is safe to do so and before making any changes, it is crucial to document your property damage with high-quality photos. Leave no detail behind and take more pictures than you think necessary.

To help, take an overview photo of the room or area, then focus on specific damage or missing items. If possible, it helps to have a before and after picture for comparison.

Keep Track of Any Repair or Replacement Costs

Your insurance provider may offer a payout or insist on using a restoration company or hotel for accommodations outside the home. Either way, include any repair, replacement, and labor costs as part of your documentation process for your insurance company. They will demand actual receipts.

Anything that looks suspiciously like inflated costs could lead to denying your receipt or the overall claim.

Write a Detailed Description of the Incident

Don’t forget to also write a detailed, honest description of the damages as part of submitting your claim. This account provides the “how, where, and why” of what happened, aiding the adjusters as they analyze your claim.

Submit Your Claim as Soon as Possible After the Damage Occurs

One of the biggest mistakes a homeowner can make is delaying reporting or submitting a property damage claim. Providers see this as suspicious and may deny your claim outright. The sooner you report and submit your claim, the more viable it is and the sooner you will get reimbursement.

Leave No Stone Unturned With an Adjuster Advocate

Get the most out of your property damage insurance claim with the expert services of TSO Adjustment Service in Fort Washington, PA. Their fully-trained staff will assess the damages and act on your behalf with insurance providers to ensure you receive the compensation you deserve.

Take the stress out of your home insurance claim and book your consultation online or call 215-886-7440 today!

Things to Consider When Submitting a Property Damage Claim

Tue, 31 Jan 2023 08:17:06 GMT

If your home is damaged and you have homeowners’ insurance, this can provide you with a lot of peace of mind. No one wants to deal with a situation where a tree falls on your house or your basement floods but having insurance can protect your investment and save you from having to pay costly repair charges.

However, there are things that you will want to be aware of if you are considering a property damage claim . The more information you have about the process, the more informed your decision will be, and that means you’ll be able to make a better decision.

Homeowners Insurance Premiums May Increase Each Time You Make a Claim

In general, your home insurance premiums may go up if you make a claim. However, this depends on many factors, including the type of insurance you have, the type of claim you’re filing, the extent of the damage, and more. Your personal claims history matters as well.

In addition, some insurers give lower rates to customers who have not made recent claims. If you’ve been receiving these benefits, and then you make a claim, you’ll lose this benefit for a while and your premiums may increase.

How Much More Depends on Several Factors

Whether your premiums increase – and how much they might increase – depends on many factors. One is location. If you file a property damage claim relating to severe weather, and you live in an area where severe weather is more common, this may increase your premiums.

The same is true if you live in a high-crime area and file a crime related to crime.

The frequency of your claims matters as well. If you have filed frequent claims for similar issues, the insurance company could consider this to be a risk factor for your property and increase your premiums.

The Severity of Each Claim Matters

The severity of the claims you file matters as well. For instance, a claim relating to a burst pipe or a leaking water heater would generally be considered less severe than those relating to weather damage or fire. However, this depends on the amount of damage caused as well.

Some Claims Raise Premiums Higher Than Others

One of the most common questions we hear after “will my insurance rate go up after submitting a property damage claim?” is “how much will it increase?” This depends on many factors, including the type of the claim.

Typically, a liability claim (one where you could potentially face a lawsuit) will increase your premiums more than a damage claim.

Insurers Check your Claims History

When determining premiums, insurance companies look at your claims history. If you’ve made several claims in recent years (especially several claims for similar issues), this could increase your premium.

However, it’s important to know that claims don’t stay on your record forever. In general, depending on your insurance provider and the policy, they usually remain for between three and seven years. After this time, your premium is likely to go down. However, it might not return to the original rate.

When to Pay for a Claim Out of Pocket

In some cases, it makes more sense to pay for repairs yourself rather than filing a claim. For instance, if there was a small amount of damage to your home and it will cost about $700 to fix, you may not want to make a claim, especially if you have a $500 deductible on your policy. You’ll end up paying almost the same out of pocket and your premiums might increase if you make a claim.

Generally, insurance claims should be used in situations where there is a large loss that you cannot pay on your own.

At TSO Adjustment Services, we use our knowledge and expertise to handle all sorts of property damage claims. We’ll estimate the damage, prepare and submit a claim, and negotiate a settlement with the insurance company. For more information, please book an appointment online or call us at 215-886-7440 today!

3 Common Theft and Vandalism Claims Mistakes and How to Avoid Them

TSOAdjustmentService@gmail.com (Dawn Ward) — Fri, 06 Jan 2023 02:40:16 GMT

You never know when your home will be the target of mischievous thieves. Yet, when it does happen, you may not know how to file a claim for theft and vandalism and may even be too shocked to think clearly. Unfortunately, making mistakes when filing theft claims costs homeowners thousands of dollars each year.

So, to keep from adding insult to injury, here are three common errors people make while making their theft and vandalism insurance claims and how to avoid them.

What Qualifies as Theft and Vandalism to Submit a Claim?

Vandalism is “the willful destruction of property by a third party.” A third party refers to anyone not on your home insurance policy or an immediate family member. Theft is “the unlawful entry of a structure with the intent to commit a felony or theft.”

Insurance companies offer different coverage that includes:

Dwelling - covers repair or replacement costs to your principal residence due to a break-in, theft, or vandalism.
Personal Property - covers repair or replacement costs for damaged or stolen personal property within limitations.
Other Structures - covers repair or replacement costs for detached buildings or fixtures on your property.

Your insurance policy will cover burglary, break and enter, and vandalism, but it is wise to know what is insured and what needs additional coverage. You will also want to consider your deductible and the limitations of payouts, so you have adequate insurance for all your valuables.

Mistake #1 - Filing Late

Insurance companies are pretty savvy and look for any questionable claims. Filing theft claims late is one of them. Homeowners may delay for several reasons, including worrying that making a claim will raise their insurance rates.

Unfortunately, your hesitancy may result in a denied claim. Instead, deal with immediate tasks like calling the authorities, making police reports, and observing personal safety. Then, contact your insurance provider immediately afterward so they can begin the claim process with you. It will lead to speedier service and reimbursement.

Mistake #2 - Cleaning Up Right Away

It is maddening to come home and discover someone has ransacked your home. It is even traumatizing to know a stranger has violated your space with their hands on your belongings. Yet the biggest heartbreak is when your treasured valuables are missing.

For some homeowners, seeing the evidence of broken glass, damaged doors, or things thrown around a room sends them into clean-up mode to try and lessen the impact. Of course, broken glass poses a safety risk; however, cleaning up before the police or your adjuster can document the evidence is a mistake.

Mistake #3 - Filing Too Many Claims

Insurance providers extend policies to homeowners in good faith that they will make legitimate claims. Unfortunately, the result could be claim denials or, worse, your provider refusing to extend your policy.

To avoid this costly mistake, here are some valuable tips:

Ensure you document all stolen and damaged property per incident rather than making multiple claims.
In the case of repeated break-ins, provide police reports and proof of additional security measures, such as changing your locks and adding extra lighting and security cameras.
Don’t make claims when the damages are less than your deductible.

Your claim history could remain on record for five or more years, depending on your insurance provider, so it’s essential to make intelligent, well-documented claims only when needed.

Get Professional Help to Maximize Your Claim

Making theft and vandalism claims is cumbersome and upsetting. To help you navigate the process and maximize your return, trust the experts at TSO Adjustment Service in Fort Washington, PA. They offer professional insurance adjustment services backed and licensed by the PA Insurance Department.

Get the highest insurance refund possible with the help of TSO! Schedule an appointment online or by calling the office at 215-886-7440 today!

Prevent These Common Winter Property Damage Claims

TSOAdjustmentService@gmail.com (Dawn Ward) — Thu, 01 Dec 2022 19:38:47 GMT

Homeowners can’t always foresee elements that will cause property damage. However, they can take many preventative measures to protect their home, especially during the winter months, and avoid challenging insurance claims .

Some common property damage claims related to cold weather are avoidable with proper maintenance and a little forethought. Here we will investigate avoidable wintertime hazards and how to protect your property when you have to make a claim.

What Constitutes a Property Damage Claim?

A property damage claim occurs when injury or damage to a building or personal belongings. The claim is made to the owner’s insurance company for reimbursement after paying the agreed-upon deductible. The insurance adjuster determines the amount payable after inspecting the damaged goods and provides an estimated total value to the insuring company.

Water Damage

Water damage is one of homeowners’ most common property damage claims. Unfortunately, water flows where there is the least resistance, and destruction follows when it unexpectedly finds its way into your home.

The usual culprits include:

Leaky roofs - gaps in shingles, poorly sealed vents, or damage from storms may cause a leak in the roof. Water can penetrate rafters, insulation, drywall, and ventilation systems, but it can also form ice dams in the wintertime.
Clogged gutters - leaves and other debris can prevent the proper flow of water, causing it to spill over against the home’s siding and foundation, which causes basement flooding. In the winter, the gutters freeze and hold moisture against the roofline and the house. Again, they pose a risk of structural and internal water damage.
Frozen pipes - improper insulation, heating failures, not turning exterior water sources off, and leaving garden hoses attached can all lead to frozen pipes. If not thawed quickly, they are at risk of bursting.

Protecting your home from water damage betters your chances of avoiding insurance claims and the inconvenience to your family. Take stock of household and yardwork tasks that help prevent water damage before an issue can develop.

House Fires

House fires are hazardous and sometimes deadly. Installing operational smoke and gas alarms helps to save your family from harm should a fire or gas leak occur; however, your home and belongings are still at risk from smoke and fire damage. While house fires can happen any time of the year, the winter months pose significant risks worth mentioning.

The usual suspects are:

Heaters - colder temperatures highlight areas where the house may not be as well insulated as others, leading to the need for space heaters which are more at risk of starting a fire.
Holiday lights - improper installation of old or new holiday lights can lead to interior or exterior electrical fires. Additionally, light bulbs may get hot and catch flame if they are resting on a flammable item, like a Christmas tree.
Candles - the holidays also have a greater instance of burning candles, which pose a significant fire hazard when left unattended.
Electrical outlets - With new devices, extra extension cords, and more house guests charging phones, the strain on electrical outlets could lead to shorts and sparks, resulting in a fire.

Taking the proper precautions and following the recommended guidelines on appliances will help reduce the risk of fire and property damage.

Get the Most Out of Your Insurance Claims

Insurance claims are not easy to navigate, and you may not get the actual value of your property during the assessment process. Thankfully, with the help of TSO Adjustment Service in Washington, PA., they can act on your behalf to negotiate the best possible return. Not only do they consider your property value, but also the inconvenience of being out of your home and the duress you experienced.

Maximize your insurance claim today! Book your appointment online or by calling 215-886-7440 now.

Tips From an Insurance Claims Adjuster

TSOAdjustmentService@gmail.com (Dawn Ward) — Mon, 31 Oct 2022 19:39:29 GMT

Tips From an Insurance Claims Adjuster

If you've never filed an insurance claim before, the process can seem daunting. Where do you start? What do you need to do? How can you be sure that you're getting the best possible outcome?

In this blog post, we share our top tips from an experienced insurance claims adjuster . By the end of it, you’ll have all the information you need on how to ensure your claim is handled efficiently and effectively.

Know Your Policy

This may seem like a no-brainer, but it's worth repeating: before you file a claim, you need to know what your policy covers. What types of events are considered covered losses? What are the limits of your coverage?

Many people don't realize that their insurance policy is a contract. And like any other contract, it's important that you understand all the details before signing on the dotted line. Read your policy carefully and be sure to ask your agent or company representative any questions you have. That way, you'll know exactly what's covered in the event that you need to file a claim.

File a Claim As Soon As Possible

Once you know that you have a covered loss, it's important to file your claim as soon as possible. In most cases, there is a time limit for filing (usually one year from the date of loss), so it's in your best interest to get the process started sooner rather than later.

Documentation Should Be Up to Date and Accurate

When you're gathering documentation for your claim, it's important to make sure that everything is up to date and accurate. Your insurance company is going to want to see things like police reports, medical records, and estimates from contractors or repair companies. Ideally, these should all be dated within the past few months.

Keep Copies of All Correspondence

Throughout the claims process, you're going to be communicating frequently with your insurance company (or their representatives). It's important to keep copies of all correspondence (phone calls, emails, and letters) so that you have a record of what was said and when it was said. This will give you a paper trail that can be helpful if there are any disputes down the road.

Don’t Rush Into Settlement

Once an insurance adjuster has had a chance to review your claim and assess the damage, they'll likely make a settlement offer. Resist the temptation to accept the first offer that's made; in most cases, it will be lowballed.

This is likely one of the biggest financial transactions you'll ever make, so take time to consider your options and make sure you're getting what you're entitled to. If you're not comfortable with the offer on the table, remember that you can always negotiate.

If worse comes to worst and you can't come to an agreement with your insurance company, there are always other options available ( mediation, arbitration, etc.) that can help resolve the issue without resorting to litigation.

Ask Questions

If at any point during the claims process you're feeling lost or confused, don't hesitate to ask questions. Whether it's about the status of your claim or what types of documentation you need to provide, your insurance company should be happy to help clear things up for you.

Always Be Prepared

While no two claims are ever exactly the same, there are certain steps you can take to make the process go as smoothly as possible. By following these tips from an experienced insurance claims adjuster, you can avoid common mistakes and get the most out of your claim.

At TSO Adjustment Services , we value all of our clients and strive to do the best for each and everyone one of them. For more information, or if you need an insurance claims adjuster, call us at 215-886-7440 or fill out our online contact form .

Surprising Damages from Fire Loss Insurance Claims

TSOAdjustmentService@gmail.com (Dawn Ward) — Tue, 04 Oct 2022 18:18:45 GMT

Surprising Damages from Fire Loss Insurance Claims

Loss from fire damage is already devastating, and having to worry about making an insurance claim for fire damage and loss can just make the process that much harder.

At TSO Adjustment Service, we want to take this burden off of you during a difficult time, which is why we’ve put together this article about surprising damages you may incur from a fire (and can claim as part of your fire loss insurance claim).

Plus, we can help you with the insurance claim process.

Smoke and soot damage

This is actually the most common source of damage caused by a fire (fire aside). Not only does soot and smoke permeate in your home, walls, floors, and clothes, but it can affect areas of your home that weren’t actually part of the fire (if it was isolated to a single room or small area).

Smoke and soot damage can be claimed as part of your loss from fire damage, and there may even be long-term health complications that come about as a result of soot particles in the air. Items and your home should be deep-cleaned and purified to ensure you and your family are not exposed to unnecessary pollutants that could harm your health.

Water damage

Many properties often suffer from water damage after a fire occurs; not only from the firefighters hosing down the house but also because of the structural damage that comes about as a result of the fire. Electronics aren’t the only things affected by water damage; it can create significant issues with the structure of your home, warping floors and creating hidden problems of mold behind the walls.

Chemical damage

Fires can cause chemical damage through toxic fumes as a result of mixing with different items in your home. These chemicals are a significant risk to your health, and can lead to respiratory illness and/or disease. It’s very important to have your home assessed by an expert before returning back into the property, because without a respirator, you can have serious damage done to your lungs.

Of course, it costs money to hire an expert to check your home’s air quality (and the presence of toxic fumes), so chemical damage should be part of your fire insurance claim, along with temporary housing while your home is being assessed/fixed (i.e. hotel costs).

Other unseen damages

As we mentioned, a lot of damage that can be done to your home may be airborne or invisible to the naked eye. Just because something looks structurally sound or doesn’t smell off inside your home, there may be much more damage lurking than you are privy to.

Smoke, soot, and other damaging toxins can be present in your home - either in the air or deep in your fabric couches/clothes, etc. Experts should be checking your home before you return to it, as many of the dangers from a fire are silent killers.

Insurance restrictions

Insurance restrictions from fire damage claims can include some common reasons such as you not having contacted the police about a fire, assuming it was arson. In addition, if you do not notify your insurer in a prompt enough manner (a specific timeframe is often outlined in your policy), then you may not be eligible for coverage.

There are tricky ways that insurers deny claims, and we don’t want to see you lose out on what you are owed (and pay for to be covered) because of a terrible situation like a house fire.

How an adjuster can help

It’s important to have your home assessed as immediately as possible after loss from fire damage, as much of the damage done can be invisible to the naked eye (or hidden beneath floorboards and behind walls, etc.).

With TSO Adjustment Service, you can be certain that everything we’ve mentioned above is covered by your insurance provider. Oftentimes, insurance providers try to get out of having to pay out full damages, but insurance adjusters like us know how to get everything out of your claim that you are entitled to.

Give us a call today at 215-886-7440 or request more information online . We’re here to help you get the most out of your claim - leave the difficult conversations with your broker to us!

How to Deal with a Catastrophic Loss Claim

TSOAdjustmentService@gmail.com (Dawn Ward) — Tue, 06 Sep 2022 20:45:36 GMT

How to Deal with a Catastrophic Loss Claim

When you experience a catastrophic loss , it can be difficult to know what to do next. Not to mention, most insurance companies have mastered the art of finding ways to get out of insurance claims. If you've suffered a natural disaster, you may be feeling overwhelmed and hopeless.

This guide will help you navigate filing a claim after a natural disaster and ensure you get the compensation you deserve.

Types of Catastrophes

For insurance purposes, what qualifies as a catastrophe is a standard across the board. A catastrophe is defined as an event causing great and often sudden damage or suffering. Catastrophes can include natural disasters such as hurricanes, floods, and earthquakes, as well as man-made disasters such as fires, explosions, and chemical spills.

The Process

Filing an insurance claim can be a complex and time-consuming process, made even more challenging by the added stress of dealing with the aftermath of a natural disaster. If you find yourself in this situation, there are a few things you can do to make the process go as smoothly as possible.

Notice of Loss

First, contact your insurance agent or company as soon as possible and provide them with detailed information about what happened and when. They will be able to walk you through the steps involved in filing a claim and help you gather the necessary documentation.

Insurance Company Response

Once the insurance company has been notified, they will send an adjuster to assess the damage. The representative will likely request that you submit a written report detailing the circumstances of the event and the damage that was incurred. They may also request additional documentation, such as police reports or medical bills.

Contact With the Adjuster

The adjuster will work with you to determine the extent of the loss and what coverage is available under your policy. Some insurers may exclude certain types of catastrophes from coverage, or they may limit the amount of coverage available for catastrophic losses. Policyholders should be sure to review their policies carefully to understand what types of catastrophes are covered.

Document the Loss

It is important to document the damage to your property, whether through photos or video. This will provide valuable evidence when it comes time to negotiate a settlement. Without proper documentation, your insurance company may only provide partial reimbursement for your losses. In some cases, they may even deny your claim entirely.

What to Do After Filing a Claim

Filing a claim for a catastrophic loss is not easy, but it can be done with careful planning and attention to detail. Be prepared to be patient as the claims process can take months or even years to complete.

When your claim is approved, you will receive a payment that covers the cost of repairs or replacement up to your policy limit. If your claim is denied, you can then appeal the decision if you believe it was made in error.

Let Us Help

A catastrophic loss can be devastating, both emotionally and financially. Homeowners who have experienced a catastrophe often find themselves uncertain of where to turn for help. At TSO, we have a team of experienced public insurance claims adjusters who are here to assist you through the entire claims process.

We understand the unique challenges that come with these types of claims, and we're here to help you get the maximum settlement you're entitled to. Our team of experienced professionals will work with you every step of the way, from filing your claim to negotiating with your insurance company. If you need assistance making a Catastrophic Insurance Claim , please contact us online or call (215) 886-7440.

Questions to Ask Before Hiring a Public Adjuster

TSOAdjustmentService@gmail.com (Dawn Ward) — Thu, 04 Aug 2022 19:11:11 GMT

If you’ve ever made an insurance claim, you know there are many hoops you need to jump through and loads of intricacies in the process. Not only that, but your insurance provider may do everything in their power to avoid paying your insurance claim. That’s where public adjusters can help.

What is a public adjuster ? Whether or not you’ve heard of them, we can assure you that they - like us at TSO Adjustment Service - are on your side. We fight for you and deal with your insurance broker so you don’t have to. The service we provide can be invaluable, especially when you’re already dealing with the cause of the claim in the first place.

There are some questions you should ask before you choose a public adjuster. Keep reading to find out the best questions to ask.

Are They Licensed to Practice Public Adjusting in Your State?

When looking for a qualified public adjuster near you, ask to see their Public Adjuster’s permit. Sometimes, a public adjuster may work under another individual or firm’s license, which isn’t exactly a green flag. Find a public adjuster with their own credentials who works independently (or under a firm, but still with their own personal credentials).

Furthermore, local laws can vary by state, so make sure that the public adjuster is licensed and has experience with insurance claims in your state. Ensure they are familiar with the intricacies and individual laws that may affect your claim, what you’re entitled to, and how your insurance broker operates.

Will They be Working with a Specific Attorney/Law Firm on Your Claim?

It’s good to know who will represent you and who you will need to contact for information. If a law firm is involved in your claim, it may strengthen your case in the event you are making an insurance claim about an injury on your property, for example.

Lawyers can also help clarify legal details to increase your chances of an approved claim.

How are Business Interruption Claims Addressed?

When commercial property damage is afoot, several parties and large claim amounts, payouts, and damage costs are often involved. To help ensure the best possible outcome, hire a public adjuster with extensive experience with business interruption claims.

Ask for Industry References

If the public adjuster you are considering has been in the industry for a long time, they should have no problem providing you with references. If they are unable or unwilling to provide credible industry references, consider this a red flag.

They should also be able to speak to different cases they previously worked on and share their success rate.

What is Their Fee?

One of the most critical questions you should ask a prospective public adjuster is their fee. After all, if their rates are higher than you are willing or able to pay, there is no sense in wasting your time (or theirs) by continuing discussions.

Be sure to ask about the fee upfront to make sure you are comfortable with the rate. If you are, continue with your additional line of questioning.

Public Adjusters Work in Your Best Interest!

When you hire a public adjuster, your claim is more likely to be approved. You won’t have to worry about gathering and organizing all of your claim information or submitting a claim.

If you’re ready to hire a public adjuster to help with your claims process, contact TSO Adjustment Service. We simplify and clarify the details of your claim and help make sure that you receive what you are entitled to. Contact us online or call (215) 886-7440.

Does Homeowners Insurance Cover Foundation Leaks?

TSOAdjustmentService@gmail.com (Dawn Ward) — Wed, 06 Jul 2022 18:40:07 GMT

As a homeowner, it’s important that you get insurance coverage to protect yourself and your property. Unexpected and unforeseen damages from vandalism, force majeure, or other unpredictable events, can cause flooding and foundation leaks.

Damage to the foundation of a home is more common than many realize. If you own an older property or live in certain regions, you could be at greater risk for flooding or leaks. Not all homeowners insurance will cover the associated damages

Before signing onto any insurance plan, it’s important that you fully understand what your policy covers. In many cases, there are stipulations that will either cover your home for foundation leaks or leave you ineligible. Empower yourself with a good team to know and prepare for these differences.

Keep reading to learn about home insurance claims, maneuvering the home insurance claim process, and how we can help.

The Factors Leading to the Damage

Insurance adjusters should look at the history of your foundation and if there were any reports of water seeping through. If there have been past issues of water leaking into your home, then you may not be eligible to make a home insurance claim for foundation leaks. Rest assured, TSO Adjustment Service will work for you to try and get your claim approved within the home insurance claim time limit .

Understanding the Coverage of Your Insurance

When the Foundation Repair is Covered

If your insurance policy includes foundation repair, then you’re likely to be approved if there is no history of water leaks. Check to make sure that your insurance policy covers foundation leaks as a named peril prior to making a claim. This will help you be proactively prepared.

Your home insurance claim should be covered if the water leaks are a result of the following:

a leaky water heater (if proper maintenance has been performed)
burst pipes (particularly because of freezing and thawing due to changing weather)
broken appliances (i.e., your basement washer or refrigerator has broken - or the water line has - and causes a slow seep or flooded basement)
overflowing fixtures (looks at overflowing tubs or showers)

In general, sudden and accidental water damage is what constitutes the coverage of your foundation leak insurance claim. Read more about water and smoke water damage.

When the Foundation Repair is not Covered

In many cases, home insurance won’t cover foundation leaks that are caused by sewage backups, groundwater seeping through cracks, and heavy rainwater. Make sure to consider these scenarios when choosing insurance. Speak to your insurance provider and review your policy to confirm if these events would be covered under your home insurance claims.

Filing a Claim Through a Public Adjuster

Public adjusters - like TSO Adjustment Service - are on your side. We fight for you and deal with your insurance broker, so you don’t have to. We understand that it can be confusing when looking at all the jargon and specificities that come with making a home insurance claim. We simplify and clarify these details for you.

When you procure a public adjuster’s services, your likelihood of an approved claim is greater. We will gather all the information needed to fight for you and will submit claims on your behalf. We have the tools and skills specific to the home insurance claim process and we love to win for our clients.

TSO Adjustment Service prides itself in working hard to make sure that you get the insurance coverage and payouts you’re entitled to. There are many factors that can contribute to a home insurance claim process, and TSO Adjustment Service will make sure that you get what you deserve.

If you need to make any sort of insurance claim, contact TSO Adjustment Service at 215-886-7440 or book an appointment online . We will do everything we can to get you the insurance payout that you’re entitled to.

Renting a House? This is How Insurance Claims Will Work for You

TSOAdjustmentService@gmail.com (Dawn Ward) — Mon, 06 Jun 2022 18:37:35 GMT

Renter’s insurance can protect you from losses and damages that are often out of your control. This can range from vandalism or theft, personal liability, and additional living expenses in the event that you need to temporarily locate due to covered peril i.e. fire, flood, and medical.

While renter's insurance policies often cover these often the coverage is not adequate beyond minimum needs. Understanding why and when extended coverage is a good choice will help you make the best-informed decision for your protection now and into the future.

If There Is a Loss to Your Personal Property

In the event that you need to make a personal property claim, it’s important to file a police report with your documented damages or lost items. If your property has been damaged, stolen, or vandalized, your renter's insurance will cover only the amount in your policy.

Be sure not to touch anything when documenting prior to the police report as the scene needs to be untouched for a proper investigation. When you file your renter’s insurance claim , your documented losses, and the police report can help you reclaim the highest amount.

After submitting your insurance claim, the insurance company will conduct a renter’s insurance claim investigation. As part of their investigation, they will likely send an adjuster to assess the damages and losses. Hiring an independent adjuster may help secure and improve your renter’s insurance claim payout.

Liability Claim

Personal liability insurance protects you from a claim or lawsuit against you for injury or the loss of property. Coverage extends to situations like dog bites, slips and falls on your property, or a fallen tree that has caused damage to somebody or their personal property.

Liability insurance can also protect you if sued and have to pay out damages that occurred on your property due to negligence. In many cases, renter’s insurance will cover up to $100,000, but this amount can be increased within your policy.

The Role of an Adjuster

When you make a renter’s insurance claim, review your policy prior to speaking with an adjuster. Make sure to provide as much detail as possible to aid your chances of getting the proper payout.

An adjuster will document your insights as well as their findings and will review your insurance policy. They’ll determine whether or not you followed the steps needed to make the claim and what you will be reimbursed.

With TSO Adjustment Service, you won’t have to worry about who you might speak to regarding your insurance claim. Our agents and adjusters are on your side and will help guide you through the stressful and confusing process of insurance claims.

Final Steps

Once you’ve made your claim and spoken to an adjuster, they will come back with a cash valuation (“actual cash value” - ACV) that determines the payout for your renter’s insurance claim. For example, personal property theft would take into account the value of items, their depreciation, and the item’s condition.

Alternatively, replacement cost insurance will cover the lesser cost of replacing or restoring stolen or damaged items, without the above being considered. While you may get more money from this type of insurance claim, the premiums are often higher.

Protect Yourself Before it’s too Late

Speak with one of our agents at TSO Adjustment Service to determine the best insurance policy that aligns with your lifestyle and needs. Call us at 215-886-7440 or book an appointment online today.

Recovering From the Loss of Vandalism

TSOAdjustmentService@gmail.com (Dawn Ward) — Tue, 03 May 2022 16:30:17 GMT

If you experience property damage or vandalism to your home, vehicle, office space, or anything else, you'll want to know what to do. When in a tense situation, you may have a hard time deciding what the appropriate course of action is.

You must understand what needs to be done to begin the process of a vandalism insurance claim so that you can get the best settlement. You want to ensure you don't accidentally void your insurance and have your vandalism claim denied.

What To Do Following the Vandalism of Your Property

Before filing a vandalism insurance claim, call the police and don't touch anything until they have assessed your home or damaged property. You'll need to have a police report prepared for your insurance claim.

You can, however, secure the property to avoid any further damage, like temporarily boarding up a broken window. Do your best to list what was damaged or stolen from your property. Having photographic evidence can help your claim, so take a lot of pictures of the damage.

However, first and foremost, be sure it is safe to return to the property. If there are concerns there may be vandals still inside, avoid going in until police arrive.

Getting an Adjuster to Document the Damage

Call your insurance agency immediately and speak to a vandalism damage claims adjuster.

Even though you've taken stock of the damage, stolen property, and its value, an adjuster will need to create a vandalism insurance claim and take as many details from you about the incident as possible.

The agent will review your insurance coverage to see what will be covered. Make sure you provide the claims adjuster with as much detail as you can, and make sure they have the photos you took of the damage done.

Getting Estimates for the Insurance Claim

Your claims adjuster can help you find local contractors who can help secure your property, review the damage, and fix it. Even with their help, you can always hire an independent contractor for a second opinion, quote, or who can complete the repairs.

If you hire an independent contractor, ensure that it doesn't void anything in the vandalism insurance claim contract. The last thing you want is to null the eligibility of your claim and have to pay for repairs and replacement of items yourself.

Let the Public Adjuster Negotiate on Your Behalf

Hiring a public adjuster may be worthwhile. A public adjuster can negotiate the damage claim on your behalf, particularly if the damage to your property is substantial.

A public adjuster will exclusively represent and advocate for you and will get you the best outcome for repairs, replacements, or reimbursements from the insurance claim.

A public adjuster will make the process of filing a claim easier and will make sure you can get the highest amount you're entitled to. You can bring in a public adjuster at any point in the process, even after receiving your claim decision.

Getting the Best Settlement

To get the best settlement out of your vandalism insurance claim, having complete and thorough documentation about the incident, what is missing, and what is damaged is imperative.

Provide your adjuster with as much detail as possible. By using a public adjuster to help you negotiate and understand your policy to its fullest potential, you will get the best settlement.

If you're ready to work with an insurance agency that values you and will make the process simple, it's time to speak with TSO Adjustment Service. Request an appointment with one of our agents by using our online form or call us at (215) 886-7440.

Things to Consider Before Buying Home Insurance

TSOAdjustmentService@gmail.com (Dawn Ward) — Wed, 06 Apr 2022 20:13:35 GMT

Whether you’re a new homeowner or are shopping around for home insurance quotes from a new provider, it’s important to research the best deal and the most comprehensive coverage.

Below, we’ve put together some essential things to check before committing to a new home insurance policy.

The Extent of the Coverage

Even the most basic home insurance plans should cover a small number of standard claims, including:

Perils

Peril coverage can vary, but it should always include weather-related damage such as lightning strikes, hail, wind and fallen objects due to earthquakes, etc. It should also cover your dwelling in the event of aircraft or vehicle impact, explosions, smoke and fire .

Since home insurance policies can vary by the insurance provider, it’s important to take a close look at your policy and understand what it includes in its perils section. “All Perils” should cover everything listed here; however, in some cases, policies only offer partial coverage.

Personal Liability

If somebody is injured on your property, you could be responsible for their medical and legal costs. Personal liability coverage protects you up to a maximum amount against these potential costs.

We recommend looking for insurance policies that offer, at minimum, $300,000 worth of coverage when it comes to personal liability. Anything less might leave you at risk of paying a lot of money in the event of an accident on your property.

Contents

Contents coverage protects your possessions against theft, damage and vandalism. Everything under your roof is usually covered, including furniture, clothing, electronics and sports equipment.

Consider taking stock of the items in your home and getting a rough estimate of the monetary worth of your belongings. That will allow you to compare it against the home insurance quotes you receive.

The average home insurance cost is around $80 per month (or $960 annually), but this can go up or down depending on the type of dwelling you have, whether or not your basement is furnished and other factors like past claims. A home insurance calculator can help you estimate how much insurance you need.

The Damages Covered Against Accidental Damages

Accidental damage coverage is typically taken out on contents or dwelling insurance. It can cover incidents such as:

Damage to furniture (i.e., red wine spilled on a brand-new carpet)
Broken electronics (if the break is physical and not due to a malfunction)
Damage to items in your yard
Broken window glass
Damage to your locks

Deductibles

The average cost of a home insurance policy deductible is $1000. Consider the potential claims you may need to make in the future and how much you would be willing to pay to cover those costs.

You may be able to adjust your average home insurance cost to lessen the deductible – in which case your coverage will probably go down -– or increase it, which will provide you with more coverage in the event of an accident.

What Isn’t Covered

Your home insurance policy may not include additional coverage options such as earthquake and water damage, and maintenance issues.

Earthquakes and Water Damage

Depending on where you live, earthquake coverage may not be something you need to worry about. However, it’s crucial to consider all adverse weather events that could negatively affect or damage your home based on your location and check if they are included in your policy.

Furthermore, water damage caused by flooding, sump pump or sewer backups may not be included and must be appended as an add-on to your insurance policy.

Maintenance Issues

Sometimes, things like insect damage, bird or rodent problems, rust, mold, rot and general wear and tear are not covered by insurance policies. If you need to fix or upgrade parts of your home that have been affected by these things, keep in mind that your policy may not cover it.

If you are interested in getting a home insurance quote or have more questions about the home insurance process, get in touch with TSO Adjustment Service today.

You can reach us by phone at 215-886-7440 or book an appointment online .

Everything You Need to Know About Catastrophe Claims

TSOAdjustmentService@gmail.com (Dawn Ward) — Wed, 09 Mar 2022 02:22:04 GMT

Following a catastrophe, there’s a lot of stress and worry. When there’s been a flood, natural disaster, or another significant catastrophe, you’re faced with a very difficult situation. You worry about the damage to your home or business and how you’re ever going to recover.

This is where catastrophe claims become important. Having insurance and knowing that you’ll be covered and able to get repairs done can give you significant peace of mind. This article provides everything you need to know about catastrophes, property damage , insurance claims, and more.

What Are the Causes of a Catastrophe?

Many catastrophes are also known as natural disasters, but these aren’t the only situations that can be considered catastrophes. Hurricanes, tornados, earthquakes, and other such disasters are all catastrophes. So are wildfires, hail, floods, and other situations that can cause serious damage.

Incidents directly caused by humans are also often considered to be catastrophes. This includes conflicts, transport accidents, civil unrest, terrorism, and more.

In short, a catastrophe refers to a single event that causes significant widespread losses.

Where Do Catastrophes Occur?

Disasters and catastrophes can occur almost anywhere. Some, such as earthquakes or hurricanes, are more common in certain regions. Others, such as fires or floods, can happen nearly anywhere.

What Do Catastrophes Cost?

Damage caused by catastrophes can be significant and these repairs can be incredibly costly. Not only will major repairs likely need to be done to your property, but there is often you’ll need to consider the cost of relocation.

If external accommodations are needed, these costs can quickly get expensive. If the property is commercial and business activities are halted or hampered, there could be a serious loss of revenue as well.

However, having the right catastrophic insurance policy can help you get back on your feet.

What Can You Do if Your Property Is Damaged Due to a Catastrophe?

When disaster strikes and your home or business property is damaged, you may be unsure of what to do. This is a stressful situation. However, once you’ve gotten to safety and know the status of everyone associated with the building (family, coworkers, etc.), you’ll want to call your insurance company.

The insurance provider will send someone to look at the property when it is safe to do so. The sooner you call your insurance company the better, since the restoration process can begin more quickly once insurance is involved. If you require temporary accommodations during the repair process, your insurance company can help you there as well.

The catastrophe claims adjuster will ask what caused the damage, investigate the extent of the damage, and determine what steps to take next. They will also explain your coverage to you, let you know what you should do next, help you store your belongings (if necessary), suggest contractors who can do the restoration, and much more. They may even be able to assist with catastrophic injury claims, if necessary.

What Can You Do to Prevent Becoming a Victim Due to a Catastrophe?

You can’t usually stop catastrophes from happening, but you can have a plan for what to do if you end up dealing with a catastrophic situation. For example, having an emergency preparedness kit that contains a battery-operated radio, a flashlight, and some cash can be very helpful. You may also want to have any essential medications and copies of prescriptions in your emergency kit in case you end up displaced from your home.

Having the right insurance is important. If disaster strikes, it provides incredible peace of mind to know that you’ll be covered.

For more information on catastrophe insurance claims or to talk to one of the experts at TSO Adjustment Service about your insurance needs, you can contact us online or call 215-886-7440.

Fire Damage: There's More Than Meets the Eye!

TSOAdjustmentService@gmail.com (Dawn Ward) — Fri, 11 Feb 2022 01:27:51 GMT

Experiencing a house fire can be a very traumatic experience. When the fire finally is put out, the damage left behind can be just as dangerous and deadly as the fire itself. Read on to learn more.

Smoke and Soot Damage

Often, smoke and soot do more harm than the fire itself. Smoke and soot byproducts will settle onto the walls, ceilings, furniture, and other surfaces after extinguishing the fire, causing severe etching and tarnishing. These symptoms can quickly become permanent if fire damage is not addressed immediately.

In addition to the negative consequences of smoke and soot in your house, these pollutants can harm your physical wellbeing. Inhaling smoke and soot can cause serious problems such as coughing, wet eyes, and even lung cancer.

Soot can also cause severe stains on your belongings. After a few days, smoke-damaged walls and floors commonly turn yellow. If not treated immediately, marble and granite countertops and exposed wood can become permanently stained.

Smoke and soot damage can cause metal surfaces such as aluminum, brass, steel, and iron to tarnish. The sooner these surfaces are treated by a specialist, the more likely they will be preserved and avoid lasting stains.

Stains are not the only thing to be mindful of when it comes to smoke and soot damage. Terrible and lasting odors will be left behind once the fire has been put out. A company specializing in fire damage restoration has the tools, products, and expertise to remove all foul-smelling odors caused by smoke and soot.

Water Damage

When flames are put out, the water utilized to do so causes damage to your home and possessions. The amount of force and pressure provided by fire hoses, in particular, may be severe. A sprinkler system will also cause significant water damage even though it is not as intense as a fire hose.

Either way, you must act quickly to remove all traces of excess moisture. You would not want mold growth to occur, which can be toxic and deadly in some cases if left untreated. On top of worsening the air quality in your home, mold can eat away at construction components such as drywall, floorboards, and wood, thus weakening the structure of your home and exacerbating the problem.

After the fire has been taken out, assess the damage and call your insurer to make an insurance claim. You can try cleaning your home yourself, but avoid using any wet or fire-damaged tools. You run the risk of hurting yourself through dangers such as electrocution.

Use a sump pump to remove excess water, and avoid using your vacuum because it is inefficient for the task at hand, and you will damage it by doing so.

How a Public Adjuster Can Help

A public adjuster is a claims specialist that represents policyholders in the documentation, valuation, and settlement of residential and commercial insurance claims. Claims adjusters or independent adjusters working for an insurance company are obligated to solely represent the insurance company's interests.

While the insurance company's purpose is to pay you the least amount possible for your claim, your public adjuster ensures that you get every cent you're entitled to under the terms of your home's insurance policy. They will make sure your insurance claim is not denied by conducting a proper investigation into what caused the fire, proving you were not responsible.

Read more on our blog if you wish to learn more about public adjusters.

TSO Adjustment Service has assisted hundreds of homeowners in obtaining their fair property insurance claims. We also provide nationwide emergency services 24 hours a day. Book an appointment by calling us at (215) 886-7440 or visit our contact page .

How to Choose the Right Public Adjuster for You

TSOAdjustmentService@gmail.com (Dawn Ward) — Wed, 05 Jan 2022 21:05:44 GMT

You might be wondering: what is a public adjuster? They are essentially an independent insurance professional hired by a policyholder looking to file claims in exchange for appropriate payouts for their losses. They have no connection to your insurance company.

Public insurance adjusters get paid on a contingency fee or hourly basis. The amount of compensation they receive depends on the services rendered for their clients. Thinking of hiring one? Read one to learn what it takes to choose a public adjuster you can trust.

Why Do You Need a Public Adjuster?

Property insurance is a critical aspect of protecting your estate against damages and destruction. However, filing and claiming the right insurance amount is a tedious ordeal on its own. This is exactly why people opt for professionals who can guide them through the process—namely, public adjusters .

Working on behalf of policyholders, public adjusters can help you claim the money you're owed from your losses. However, hiring the right one depends on your case and other factors.

Here are some tips for choosing the ideal public adjuster for your case.

Understand Your Wants, Needs & Expectations

You must spend time educating yourself about your needs and wants before looking for public adjusters. This includes knowing what level of service you are looking for and how much your insurance company will allow for a settlement.

Having a good assessment of your particular situation can help you identify the right public adjuster profile.

Look For Experience & Credentials

When looking at background and experience, make sure the person you’re considering has the right credentials. Every legitimate public adjuster should be licensed; if you can’t find details right away, contact your state's insurance department and ask to see their credentials.

A valid license and active practice are preliminary standards of adequate service and must top the list of your requirements for an adjuster. And remember, don’t immediately sign a contract! A professional will never pressure you into making any quick decisions.

Ask For References

Don't be shy when asking for references from the public adjusters you’re interested in. Their current or former clients are an excellent resource for digging up more information. If you decide to work with a public adjuster, talking with experienced property owners will also be helpful. They will give you a much better understanding of what to expect.

Competent professionals would be more than happy to share their successful client stories with you to back up their claims.

Gain Insight Into Their Process

What steps do they take to ensure you get your complete claim? For example, do they review the site and ask for the insurance policy? Are they proposing upfront costs instead of a percentage of the final settlement?

Asking questions and gaining insight into their modus operandi is crucial to help you understand if they're the right fit. A proven adjuster will not only satisfy your queries but will help you understand the entire insurance claims process better.

Looking for a Public Adjuster? Contact Us Today!

Choosing the right public adjuster can make all the difference in getting the most out of your insurance claim. The team at TSO Adjustment Service has helped thousands of homeowners get their fair right of property insurance claims. Our experts are well trained in the process of litigation and will ensure that your insurance policy is reviewed to prevent any loophole denying your chance of a fair claim amount.

While we provide our services in Philadelphia County, we also offer 24/7 emergency service nationwide. Book an appointment today! Give us a call at (215) 886-7440 or visit our website .

A Guide to Getting Your Roof Damage Insurance Claims Approved

TSOAdjustmentService@gmail.com (Dawn Ward) — Mon, 06 Dec 2021 09:48:34 GMT

Have you discovered extensive damage to your roof after a big storm or natural disaster? You're likely feeling stressed and have a lot of questions on your mind, especially ones regarding your homeowner’s insurance. Going through the process of getting insurance claims approved to cover your roof repair needs can be exhausting, but there's no reason that you need to navigate the entire process alone.

If you're facing a seemingly lengthy process to file an insurance claim for your roof damage , you deserve to be in the right hands from the get-go. That's where the expert, full-service public adjuster team at TSO Adjustment Service comes in. We've put together this guide to getting your roof damage insurance claims approved in a manner that's simple and stress-free.

How to File for Roof Repairs

Before you file a claim for roofing insurance to take care of your repairs, you'll want to assess the full extent of the damage done to your roof. To do this, you'll need to make your way to the top of your home's roof to get a good look at just how bad the damage is. If you're not feeling confident in doing this yourself, you can always consider hiring a local roofing company to assess your roof's damage instead.

Once you've assessed your roof's damage, find out what, exactly, your roofing insurance covers and what your rights are going to be with the insurance plan that you opted for. Once that's taken care of, begin documenting your roof damage to the fullest extent possible and contact your insurer to learn the ins and outs of their insurance claim filing process . You may need to let your insurance provider know within a certain amount of time, depending on your policy, that you intend to file a claim to cover your roof repairs.

Common Reasons for Rejection

Roof claims can, unfortunately, be denied by insurance companies for a number of reasons. Not all insurance policies guarantee the same amount of coverage and, in some cases, certain insurance companies may be more flexible than others when it comes to approving insurance claims. Typical reasons for claims being denied include:

Wind and hail exclusions
Failure to identify date of storm
Previous damage done to old roofs
Claims filed too late
Roof manufacturer defects

Before filing your claim, our team highly recommends that you research and fully understand your insurance policy so that you know what grounds are set for repairs and replacements. Not all policies are created equal, so save yourself future headaches and potentially rejected claims by having a complete understanding of what your company's policy covers.

How Public Adjusters Can Maximize Your Claims

Public insurance adjusters like those at TSO Adjustment Service are experts when it comes to filing and adjusting insurance claims. We have extensive experience helping Philadelphia homeowners like yourself file claims or adjust ones with incorrect amounts offered by insurance companies. When you work with us, we promise to help you, the policyholder, avoid mistakes made due to inexperience while navigating the claims filing process in a timely manner.

It's crucial that you hire a public adjuster like TSO Adjustment Service if you're thinking of filing a property insurance claim to cover weather damage done to your roof.

Even if you're feeling confident in the dollar value of your loss, we can provide a second opinion on costly situations such as incidents involving roof damage. We pride ourselves on being the public claims adjuster that Philadelphia residents can trust, so book an appointment with us today by calling 215-886-7440 or connect with us on our website .

A Public Adjuster’s Tips on Preventing Storm Damage This Season

TSOAdjustmentService@gmail.com (Dawn Ward) — Tue, 02 Nov 2021 14:36:13 GMT

If there is anyone who knows about property damage of all kinds, it is a public adjuster . Their job is to expedite your insurance claim when your property has incurred damage due to ice, snow, or wind. They know exactly what you are up against, how much it’ll cost to fix the problem, and ways you can prevent storm damage altogether.

Since winter is just around the corner, it's a good idea to call a public adjuster to understand how to protect your home and loved ones. Plus, the better prepared you mean that there is a lower chance that you will even have to go through the claims process in the first place.

Three vital storm damage prevention tips include keeping your gutters clean, checking your ceilings for water stains, and keeping your sump pump working properly. Let’s take a look at these tips in more detail.

Tip 1: Clean Your Gutters

Ensuring your gutters are up and running properly is imperative to avoid water damage. The best way to prevent faulty gutters from causing water damage to your property is to clean them biannually. For example, consider cleaning them three or four times a year if bushes surround them.

If you live in desert-like, arid climates, cleaning your gutters even once a year can suffice. However, property owners should also service their gutters as soon as autumn arrives. This is because leaves will be falling more frequently.

Tip 2: Check Ceilings for Water Stains

Not only are water stains on ceilings unattractive, but they can also end up causing terrible damage to your property when aggravated by a storm. This is because a water stain is most commonly a sign that your roof is leaking and that water has pooled up inside it.

Thus, when there is a storm, more water or snow will leak through, causing further structural erosion. Here are a few things to check for:

Wear and tear around vents and chimneys
Slow draining or clogged downspouts
Buckling, peeling, broken, rotting, warped, blistering, or missing shingles

On the inside of the roof, check for:

Holes where light is coming through
Sagging
Dark spots

If you notice any of these, call a professional for help.

Tip 3: Ensure Your Sump Pump Is Functioning Correctly

Do you know what prevents water from flooding into your basement? A sump pump! It is essential for those who have a basement and are living in a flood-prone area to check on their sump pump.

Ensuring that your sump pump is working properly not only keeps your basement safe and foundation intact, but is also a requirement if you have homeowner’s insurance.

How Public Adjusters Can Get Your Storm Damage Claims Approved

A public adjuster is responsible for evaluating damage to a property in the event of a storm or fire. According to the policyholder’s guidelines, they evaluate property loss and help file the insurance claim, getting a fee in return.

In cases where storms have caused a lot of damage to your property, several different policies apply. It can get very complex for homeowners to navigate the complexities of the insurance claim process by themselves.

Hiring a public adjuster, however, means that you have an expert to help you navigate the claims process from start to finish. Moreover, they can easily file and adjust an insurance claim on your behalf as quickly as possible. This saves you money, time, and gives you peace of mind.

Public Adjuster, at Your Service!

Our expert team at TSO Adjustment Service, LLC is a full-service public adjuster in Philadelphia that is dedicated to managing every aspect of our clients’ insurance claims. If you have any questions or would like more information, call us today at 215-886-7440, or contact us on our website.

Common Tenant Mistakes That Can Damage Your Property

TSOAdjustmentService@gmail.com (Dawn Ward) — Fri, 01 Oct 2021 17:21:37 GMT

Renting property to unknown tenants can carry a certain amount of inherent risk. You need to understand who’s living on the premises, or you could end up with unnecessary and expensive property damage .

There are numerous potential pitfalls to consider, such as smoking hazards, pet issues, extension cord mishaps, and flooding, among others. Below, we’re going to explain some of the most common mistakes tenants make that can damage your property, and hopefully help you avoid having to make claims on your insurance policy.

Smoking Hazards

If there’s one tenant habit that can cause damage to a building, it’s smoking. Although landlords can’t stop tenants from smoking altogether, it’s important to be clear when smoking is not permitted indoors.

So how can smoking cause damage? Smoking inside stains your furniture, walls, ceilings, and floors. While it does not happen overnight if inside smoking takes place over an extended period it will result in unsightly yellow staining over walls and ceilings.

Smoking also permeates surfaces to make a house smell strongly of cigarettes. Once your property starts to smell like smoke, it can be hard to get rid of the odor. In fact, you may end up needing to call professionals for a deep clean.

In addition, smoking raises the risk of accidental fire. It only takes one unattended cigarette to cause extensive fire and smoke damage to an entire property.

Extension Cord Mishaps

Extension cords, though convenient, can cause myriad problems for landlords. While they can technically be used to supply power to numerous appliances, overuse can cause them to overheat and potentially lead to a fire.

Overheating occurs when extension cords become overloaded with appliances or electronics. If the cords being used are unable to handle the increased load and high demand for power, they may overheat and dangerously malfunction.

It may be useful to give your tenants guidelines covering how many electrical devices and appliances can be plugged into an extension cord at a given time. Neither renters nor homeowners enjoy dealing with property damage that could have been easily avoided.

Pet Issues

Whether you own a home or run a property management service, you’re likely aware that pets can be a major cause of harm to rental properties. Dogs’ claws can cause deep scratches to hardwood floors, and both dogs and cats can tear up carpets and leave odorous urine stains.

If renters do not take excellent care of their pets, regularly walking their dogs and cleaning their cats’ litter boxes, bad smells are easily left behind. Bored or neglected pets may also claw doorframes, chew baseboards, and damage landscaping.

However, smaller animals and responsible pet owners could mean that you never encounter any of these issues. It may be worth considering small pets or having a conversation with your tenants about what kind of care they take of their animals.

Flooding

Another common tenant mistake is flooding. Whether a bath is left running or someone forgets to turn off a tap, water damage can be expensive and time-consuming to fix. Not only can flooding damage tenants’ personal effects and furniture, but it can also cause significant structural damage to floors, ceilings, and walls.

Water damage can be mitigated by responding promptly and ensuring tenants know what to do in the unfortunate case of flooding or other emergencies.

Contact TSO Adjustment Service

If you’re experiencing any of the situations outlined in this article, they may be covered in your insurance policy. Get in touch with our experts today to make a claim or learn more! You can reach us at (215) 886-7440 or visit our online portal .

Signs It’s Time to Call a Public Adjuster

TSOAdjustmentService@gmail.com (Dawn Ward) — Wed, 01 Sep 2021 15:10:49 GMT

If you’ve suffered unexpected force major damages to your property, you might be wondering if you’ll need to hire a public adjuster . The short answer? Yes, you absolutely should. As an insured policyholder, you have the right to hire a public adjuster to advocate on behalf of your insurance claim.

There are several factors to consider before hiring a public adjuster, as it’s a demanding and lengthy process to file a claim. With the right expertise and know-how, a public adjuster can help you expedite the process, navigate through the insurance claims process, and achieve the maximum amount you deserve.

In this article, we’ll review 3 of the biggest signs that it’s time to call a public adjuster to represent you and assist with your insurance claim . Read on to learn more.

1. You Don’t Understand the Insurance Policy

An insurance policy often contains a myriad of complex terms, provisions, clauses, and stipulations that must be addressed in order for a full settlement to be successfully processed. Much of this legal terminology can be challenging for non-legal professionals to fully understand. To make things even more challenging, large volumes of complex information about a claims process may be provided over the phone adding difficulty to accurately documenting and tracking important details.

It is common that an insurance policy uses confusing language that only a public adjuster could analyze. With a public adjuster’s expertise and property claim experience, you can increase the amount of your eventual claim settlement.

2. You Don’t Have Time to Go Through the Insurance Claims Process

Experiencing damages or losses to your property is incredibly stressful. If you’re a homeowner, these damages can mean you’ve lost valuable possessions or experienced an overhaul of your everyday family life. If you’re a business owner, you now have additional responsibilities outside of your insurance claim such as business recovery decisions and dealing with company operations.

Most likely restoring order to your home or business is your priority not learning the complexities of the insurance claims process. Allowing a public adjuster to alleviate the alternate high priority issue can save you valuable resources with minimal stress.

A public adjuster will evaluate your insurance policy and help you devise the best strategy for presenting your claim. The adjuster will help compile evidence and details of property damage, negotiate on your behalf, and devise the optimal way to settle your claim for the largest claim return possible.

3. You Feel Like the Insurance Company is Not Adequately Evaluating Your Claim

Filing an insurance claim is often a long and tiring process. If the timeline is being stretched because your insurance company won’t respond to you in a timely manner, hiring a public adjuster can expedite the process.

A public adjuster will directly communicate with your insurance company taking any lengthy communications off of your plate. A public adjuster’s knowledge and expertise will better connect you with the right sources to ensure that your claim includes related expenses needed to cover your losses.

As the policyholder, you will have full control over which decisions are ultimately made. A public adjuster does not have the authority to accept or reject any offers without your full consent. Difficult decisions can be made easier by partnering with an experienced public adjuster.

Contact TSO Adjustment Service today

Dealing with property damages is stressful enough. Taking risks when filing your insurance claim will only add to your problems. Hiring a professional public adjuster will save you money and time while providing you with the peace of mind you deserve.

If you’re looking for experienced public adjusters in Southeastern PA, our experts at TSO Adjustment Service are ready to help. To learn more, call us at 215-886-7440 or visit our contact page .

Busting Five Myths About Public Adjusters

TSOAdjustmentService@gmail.com (Dawn Ward) — Wed, 04 Aug 2021 15:55:29 GMT

If you’re engaged in a heated battle with your insurance agency over a claim, you may be considering hiring someone to represent you. But you’ve heard so many negative things about public adjusters that you’re afraid to work with one.

There are a lot of rumors circulating about working with a public adjuster , and we’re here to clear the air once and for all. In this article, we’ll bust five common myths about public adjusters.

Myth 1: Adjusters Take a Huge Chunk of the Settlement

Before you work with a public adjuster, they’ll present you with a contract that outlines their services and fees. The Pennsylvania Insurance Department must approve the contract before any parties sign it. When you sign the contract, you and the adjuster are legally bound to the number indicated in the contract.

The fees associated with hiring a public adjuster are a percentage taken out of your claim. If the rate is too high, you can look for another adjuster.

Catastrophic event claim fees have a statutory cap of 10%, but non-catastrophic event claims can be a bit higher. However, your adjuster is advocating on your behalf to your insurance company, which requires a lot of work. Even after you pay the adjuster’s, you’ll likely end up with more money in your pockets than you would without the help of the adjuster.

Myth 2: Your Insurance Premiums Will Rise

Although insurance providers are usually not thrilled when you use a public adjuster because it means they’ll have to pay out more, they can’t raise your insurance premium because you are using an adjuster.

If you know someone whose premium went up after they used an adjuster, the most likely explanation is that rates for the entire region went up. This is especially common after a natural disaster causes a large amount of claims submissions.

Myth 3: Public Adjusters Can’t be Trusted

All public adjusters and public adjustment services must have a state license. Our PA license number is 738304, and the Pennsylvania Insurance Department allows you to search for all licensed adjusters in your area.

To obtain their license, public adjusters must be fingerprinted and pass a background check. Since the state can revoke their license at any time, most public adjusters aren’t going to risk losing their business by taking advantage of you.

Public adjusters want to help you, not rip you off. They’re there to fight on your behalf, so you get the reparation you deserve.

Myth 4: Hiring a Public Adjuster Will Delay Your Claims

Hiring a public adjuster can actually expedite your claim. As seasoned professionals, adjusters know how to put an appropriate amount of pressure on your insurance agency’s insurance adjuster.

Additionally, it is essential to realize that it may take a bit longer to fulfill your claim to a public adjuster because your adjuster is negotiating on your behalf to get you more money.

If it takes longer than a quick payout, understand that your adjuster is fighting for you to get what you deserve, not what you can get immediately.

Myth 5: Your Insurance Company Will Drop You

While insurance companies can drop policyholders for any reason at the end of their agreement, the only reason they can drop a client in the middle of a policy period is for payment delinquency.

Unless you’ve been negligent on your payments, your insurance company will not drop you for hiring a representative.

Get the Most Out of Your Claim

You don’t have to negotiate with your insurance company on your own. At TSO Adjustment Services, our incredible public adjusters are ready to fight for you.

To learn more about what we can do for you or get your quote, call 215-886-7440 or visit our website .

The Three Types of Water Damage

TSOAdjustmentService@gmail.com (Dawn Ward) — Wed, 07 Jul 2021 21:21:43 GMT

Water damage claims , while common, can be complex. For this reason, it’s essential to understand what types of water damage are covered by your insurance to make sure you are adequately protected. Knowing the difference between various types of damage helps to navigate your insurance claim and start water damage restoration as early as possible.

Approaching an insurance company when you’re ‘flooded’ can come with difficulties; not only do floods have various causes, but some of them are covered while others are not. It’s essential to remember that standard homeowner insurance only covers 'sudden and accidental damage,' not flood damage as a result of 'failure to maintain property.'

Most often, insurance companies will operate by such terms as sewer backup, water overflow/discharge, and flood when reviewing an insurance claim. If you are interested in finding out the difference between these terms to know exactly when you are covered, keep reading.

Sewer Backup

Sewer backup occurs when water from your sewer lines returns to your home for various reasons. Many homeowners don't realize that they are responsible for the sewer pipes that connect their home to the sewer main. When something happens with these sewer lines, backup occurs.

Common causes of sewer backup include tree roots finding their way into the pipes, clogs forming after flushing paper towels or disposing grease through the kitchen drain, and sump pump failure. Whatever the reason for backup, the consequences can be costly and unpleasant. This situation involves dirty sewer water coming into your house, destroying your property, and even presenting health hazards.

In most cases, sewer backup damage is not automatically included in standard homeowner insurance. Those interested in coverage for sewer backup should add it by endorsement to the insurance policy.

Overflow/Discharge

In insurance terms, an overflow happens when too much water spills over a bathtub or escapes from appliances such as a dishwasher, heating, or air-conditioning. Meanwhile, discharge occurs when plumbing or appliances release water, such as when a pipe or a washing machine hose bursts.

These are the most common types of water damage included in the homeowners insurance policy. Such damage is covered in most cases when it’s sudden and accidental, excluding situations related to lack of or insufficient maintenance or wear-and-tear.

Flood

It might sound surprising, but most homeowners insurance policies do not cover flood damage in the meaning of flood as defined by the National Flood Insurance Program (NFIP). In insurance terms, flood is a “general and temporary condition of partial or complete inundation of two or more acres and two or more properties of normally dry land." Flood insurance can be bought and claimed from the NFIP.

Simply put, a flood happens when more than one property is affected. If only your house is 'flooded,' you cannot file a 'flood claim.' In the latter scenario, such a situation would be classified as overflow/discharge or a sewer backup.

Get Help in Your Insurance Claim

Managing your insurance claim can be a complex and time-consuming process. There can even be instances when your water damage insurance claim is underpaid or even denied by an insurance company.

TSO Adjustment Service has more than 25 years of experience helping Philadelphia residents navigate water damage insurance claims, saving time and money for our clients. Call us at 215-886-7440 or visit our website to find out more about how we can help you claim insurance.

Claims Rejected – Now What?

TSOAdjustmentService@gmail.com (Dawn Ward) — Fri, 04 Jun 2021 15:55:29 GMT

As the world becomes less and less predictable, insurance companies are becoming tougher on claims. As a policyholder, you are surely counting on your insurance provider to come through and deliver what is owed to you when the time comes that you need to make a claim. Now, what if your claim ultimately gets rejected?

In this article, we’re going to look at the possible course of action you can take if your insurance claim is rejected.

Step One: Review Your Policy

The first thing you should do before every interaction with your insurer is to review the terms of your insurance policy . These terms are usually found on the “declarations page” or the “policy summary."

With this in hand, you should be able to answer all of the important questions. For example, what is covered by your policy? How do you make a successful claim?

Understanding precisely the agreement that you have made with your insurance company is your priority. Without understanding your entitlements, or the legal implications of how your policy document is phrased, your insurer will immediately be in a stronger position to hand out a rejection notice.

Review your policy thoroughly after your claim is rejected and determine if your insurer has valid grounds not to honor your claim.

Step Two: Look Over Your Rejection Notice

Similarly, your rejection notice should give you a clue as to what issue your insurance company had taken with your claim. In this letter, the insurer will have highlighted exactly why they have refused you. It may be an apparent issue with coverage, or it could be that they have deemed some of the evidence you provided to be unacceptable for whatever reason.

The details written in this letter are crucial because they will tell you if the insurance provider caught you out on a technicality. Likewise, if an insurer is trying to get you to accept a lower claim than you feel you’re entitled to, look over their offer with a careful eye, as there may be something you’ve missed when you first read the notice.

Even better, you could contact a lawyer who specializes in insurance law. They will be best-equipped to interpret the response you got from your insurer.

Step Three: Collect Evidence and Documentation

An important part of appealing any claim is making sure you have sufficient evidence to back up your appeal. This means finding receipts for damaged items, taking photographs of the damage, as well as highlighting the relevant parts of your policy, as needed.

Some insurers have legal hotlines where you can call and request more information about your specific situation, so check your documents and your insurer’s website to see if this is the case. Doing this may give you a better idea of what kind of evidence and documentation you should present when lobbying for your claim.

Step Four: Contact a Public Adjuster

Many people don’t know that they can use a public adjuster to help them maximize their take-home claim amount. A public adjuster is a kind of lawyer who can help homeowners assess the full extent of damage to their property before assisting clients during negotiations with their insurers.

Additionally, a public adjuster can clarify the legal implications of your policy documents and make sure that you, as a policyholder, are aware of your full entitlements under local and state laws. Finally, when push comes to shove, public adjusters can also advise you on appealing your rejected claim successfully.

Get Insurance Adjustment Services Today

If you’re dealing with a claim and are having trouble negotiating for you and your family, contact our team at TSO Public Insurance Adjusters. With over 25 years of experience serving the Philadelphia area, we pride ourselves on being timely and professional when dealing with our clients’ insurance concerns.

We know that dealing with property damage, theft, or even fire is devastating enough without the compounded hassle of a rejected insurance claim. Luckily, our experienced team of experts has seen every kind of scenario and knows how to get you the best deal from your settlement.

To book our services, call (215) 886-7440 or visit our website for more information regarding our services.

How Drones and Technology are Disrupting the Insurance Industry

TSOAdjustmentService@gmail.com (Dawn Ward) — Mon, 03 May 2021 15:13:06 GMT

In recent years, innovation through new technologies has significantly transformed the insurance industry. Insurance companies have begun moving away from their usual manual processes and have started implementing technological solutions that can simplify or automate their work.

To top things off, COVID-19 has only accelerated this shift. Many industries, such as the insurance sector, are likely to meet permanent changes in the wake of a post-pandemic future. Since COVID has hit, a lot of home insurance companies have upped their use of drone cameras to perform full inspections of properties or objects.

In this article, we’ll review some of the main reasons behind why drones are well on their way to becoming ubiquitous in the insurance industry—as well as some disadvantages of their use.

Keep reading to learn more!

Advantages of Drone Use

Drones have attributes that make them particularly useful to insurers. They’re small, easy to control, and are also relatively cheap to deploy. Drones can also be maneuvered without any people on board, making them an ideal device for exploring places and crevasses that are unsafe or inaccessible for humans.

Drones can also travel much more quickly than humans over larger geographic territories. If you’re looking to quickly scale an area, drones can achieve this for you without you ever needing to step foot in it.

Some of the biggest advantages insurance adjusters have found when using drones for insurance inspections include:

1. Greater Collection of Data

Just like we mentioned above, drones are great tools to use for property inspections when it comes to surveying areas that are hard for humans to reach.

It can be much easier to view certain problems from above, allowing drones a better opportunity to capture minute details, in photos or video footages, of a potential property or object.

Drone cameras can also be updated and enhanced with custom lenses, providing them with an even greater view of their targets.

2. Ability to Inspect Dangerous Areas

Drones are capable of inspecting areas within properties that can pose extreme danger to humans.

Disasters can devastate the infrastructure of a property, sometimes making it very risky for insurers to even step foot onto a site to proceed with a claim procedure. Drones, on the other hand, can handle these scenarios with no fuss.

In particular, inspecting rooftops for damages has become one of the most popular uses of drones by insurers.

Historically, rooftops have been one of the most difficult parts of a home for insurers to inspect. Previously, insurers were forced to be particularly cautious when taking photos of rooftops, especially those that had suffered damages. However, with their ability to breeze over just about any type of rooftop, drones have actively solved this issue.

Disadvantages of Drone Use

While drones are clearly yielding tremendous benefits for insurers, there are a few disadvantages that come with using them. For many insurance companies, the most common issues are:

1. Federal Aviation Administration (FAA) Regulations

All drone users must comply with FAA regulations to avoid facing penalties.

The current rules state that both individuals and companies are permitted to use drones for business if they do not weigh more than 55 pounds (either including or not including additional image-capturing equipment).

As per the FAA guidelines, drones are also only allowed to be flown during the day. They are not permitted to fly higher than 400 feet from the ground and cannot operate faster than 100 miles per hour. If the drone is not within the line of sight from its operator, this is against the FAA’s regulations as well.

Lastly, all drone operators must have a remote pilot certificate with a small unmanned aircraft system (UAS) rating. Those who have not received this certificate can only operate a drone if they are accompanied by another person who has been certified.

2. Setup Costs

Setting up and establishing a drone program can come with a hefty price tag for insurers. To start with, they’ll need to obtain drones with the latest updated technology and then create internal rules within their company that will govern their use.

To comply with the FAA regulations, all pilots are also required to register their drones and obtain all FAA certifications as part of the setting up process.

Contact TSO Adjustment Service

We hope you enjoyed our article covering some of the advantages of using drones and recent technology to perform insurance inspections.

As a full-service public property loss–adjusting company since 1993, TSO Adjustment Service has seen it all, and we are excited to see how innovative technology is helping make inspections safer and easier for insurers.

To learn more about how we can help you with your next insurance claim, get in touch with us today!

Call us at 215-886-7440 to speak with a member of our staff or visit our contact page.