Better Safe than Sorry: Securing Your Finances in Case of Fire Damage


Residential fires are more common than some people think. The National Fire Protection Association (NFPA) says that a household may expect approximately 5 residential fires in their lifetime. These fire incidents are often minor, but there is a 1 in 4 chance that an incident will result in major damage.

Having said that, vigilance is always a must. Homeowners should have an idea of the likelihood of a home fire as well as what they can do about it.

The Statistics of Residential Fires

Households encounter an average of five residential fires throughout their lifetime. Most of these fires have no major repercussions, so the fire department does not always hear about these incidents.

Nevertheless, a fire may still result in injury to members of the household. In fact, there is a 1 in 10 chance that a household member will experience a fire-related injury in an average lifetime. Furthermore, there is a 1 in 89 chance that a household member will get injured due to a reported fire in an average lifetime.

This is not to mention the toll that a home fire takes on residential property and personal belongings. Household members use their medical insurance to get treatment; they should also invest in other insurance policies to protect their assets.

The Advantage of Fire Claim Adjusting

Minor residential fires result in either little or no damage at all, but more serious ones lead to house repair and restoration. This is when fire claim adjusting comes in handy.

Insurance policies may be a challenge to deal with especially in cases when a fire results in the need for major home renovation. A reliable fire claim adjuster will make sure that homeowners recover what they have lost, as soon as possible.

United States Adjusters has the knowledge and experience to help you with multiple fire damage claims. From residential fires to smoke or soot damage, we help you maximize your insurance coverage and recover from the fire losses. Contact us today.

Don’t Assume You Don’t Have Coverage


These are Peter Kochenburger’s words, a deputy director at UConn’s Insurance Law Center, about the potential flood of insurance claims after Hurricane Harvey. It’s wise advice to if you have home insurance, because at least, you’ll try and know how far your insurer is willing to help you.

Settlements and coverage aren’t always straightforward, but don’t let ambiguities take your benefits away.

We’re here to help. Come to us before making an insurance claim and our team of adjusters and consultants will make sure that your insurer honors its responsibility.

Facts About Flood Insurance

Homeowner policies don’t usually include flood insurance. It’s not a common occurrence in most areas, but when there’s an impending hurricane, you can always add coverage for flood damage. It takes about 30 days to get a policy, but at least, you’re prepared.

On the other hand, policies are explicit about wind and water damage claims (especially about excluding it).

If there’s sufficient evidence that water damage is more evident than flooding, you can still apply for a claim. But this is where it could get muddy, so it helps to have experts backing your claim. That’s your insurance adjusters—and that’s us. We can only come in once the water subsides, but we assure you that we act fast and efficiently.

Records Will Save You

As an insurance holder, one way to hold your insurers responsible is keeping records. Save every bit of signed paperwork, and keep transaction records (receipts, invoices, etc.) This way, you can make a file as soon as possible. Time is of the essence in water or flood damage, so make sure your records are on hand.

Rest assured, United States Adjusters knows what it takes to get you the maximum settlement possible. Whether you’re in Houston or other areas, call us to get in touch with our adjusters in your area.

We’re here to help you 24 hours a day, seven days a week. Contact us today!

Protect Your Family and Property with These Hurricane Readiness Tips


Hurricanes are not to be underestimated in any circumstance. Florida residents, veterans of multiple severe hurricane seasons, know all of this too well. For homeowners, however, there’s more to it than ensuring their family and property survive such natural calamities — it means living life as normal as possible afterward, as well.

While injuries and property damage can happen during hurricanes, being prepared for it can minimize casualties. Make sure to tick off the hurricane safety and preparedness items on your checklist.

Know the Extent of Your Insurance Coverage

Review your insurance policy to see what kind of coverage you have and, if need be, add necessary coverage before hurricane season starts. Having a public insurance adjuster in Florida on-call won’t hurt either, especially when you need immediate action in the aftermath of destructive calamities.

Keep Important Documentation Safe and Secure

Copies of birth and marriage certificates, wills, citizenship documents, bank account info, and a comprehensive inventory of valuables should be stored in a secure place capable of withstanding damage (like a safety vault). Should there be a need to evacuate, transfer them to a sealed plastic bag and take them with you.

Educate Your Family on Hurricane Safety Plans

Familiarize each member of the family on safety measures and actions to take during a hurricane. For instance, members should agree on relocation point (usually the safest room or space in the house for shelter), like a walk-in closet or a widow-less interior bathroom.

Stock up on supplies. Non-perishable goods like canned food, dry cereal, soup, etc., and at least a gallon of water to last each person 3-7 days is a reasonable amount to keep. Also, keep an emergency supplies kit containing first aid materials, flashlights, whistles, and even an inflatable raft.

Regardless of where you are located during a hurricane, always remember that you and your family’s safety is the priority. Only go back to your property when authorities declare the area safe. Furthermore, document all noticeable damage on your property through photos and video. At United States Adjusters, we are ready to help you inform your insurance company of all damage and loss. Contact us today to learn more about our adjuster services.

El Niño is Coming: Are You Prepared with an Insurance Claim?


The hurricane season might come stronger than ever—or not.

According to meteorologists, the start of the season may face drastic changes due to the presence of El Niño. CBS Miami reported that the development of El Niño (the warming of Pacific waters) could lower the number of hurricanes but result in a stormy winter season.


Business Interruption Insurance


Business interruption insurance covers your actual business from the loss or damage to your income due to a loss at your business. Business interruption insurance is best explained with an example.
Sue and Mike own an ice cream shop in a leased space downtown. The income is generated through take out treats as well as some sit down business at their location. They have several freezers for storage and service, a storage area for paper goods, restrooms, and small retail area for their customers. The shop averages $700 a day and monthly income is about $21,000 in revenue. The shop nets about $1500 a month not including salaries paid to both Mary and Bob who both there together.