The Hansen Group
  • Home
  • Services
    • Insurance Education
    • Policy Review
    • Property Inspection
    • Claim Representation
    • Homeowners Awareness Seminars
  • Photos
  • Success Stories
  • In The Community
  • Contact
    • About Us
  • RESOURCES
    • Education Center
    • FAQs
  • INDUSTRY PARTNERS
    • Contractors
    • Realtors
    • Mortgage Brokers & Banks

What's going on

Homeowners Insurance...                                    What You Don't Know Can Cost You!

3/17/2017

0 Comments

 
Most people don't understand their Homeowner's Insurance Policy. Even if it's written in plain language, it can be very difficult to understand. But it's extremely important that you know what type of policy you have, what is covered and, more importantly, what is NOT covered. HO1, HO2, HO3, Endorsements, Exclusions, ACV, RCV ....... not knowing how these terms apply to your policy can result in your claim for damages being underpaid or even denied.

There are two basic types of homeowners insurance policies - Named Peril and All Risk. The named peril policies (Basic or HO1 and Broad Form HO2) cover your home for damages caused by perils (events) that are specifically listed or named in the policy. The Basic Policy covers 10 perils such as Fire, Smoke, Windstorm and Volcanic Eruption. The Broad Form Policy adds another 6 perils for a total of 16 named perils. If your home is damaged by anything other than what is listed as a named peril, your insurance company will not pay you for the damage.

The All Risk or Special Form (HO3) policy covers your home for any damage that occurs suddenly and accidently unless it is specifically excluded in the policy. Typical exclusions are wear and tear and damage caused by pets, vermin or insects. The All Risk policy is the preferred type of policy because it covers accidental damage even if caused by the homeowner. Bleach spots on a carpet, cracked ceramic tile, siding melted by the barbecue grill - these are just a few of the more common types of claims covered here.

If your home does suffer damage, what should you do? Well, most people would instinctively call their insurance company or agent. WRONG! From that initial phone call, everyone you speak with has a vested interest in the profits of the insurance company. There is no one who is truly on your side. What you should do is call a Public Adjuster.

When you submit a claim, you have to deal with a very experienced insurance company adjuster who is thoroughly trained in all aspects of minimizing your damage. Keep in mind that it is the homeowner's responsibility to point out the damage, not the insurance company's adjuster's job. Company adjusters minimize your damage by encouraging cost savings methods.  A Public Adjuster is bonded and licensed by the state to serve the interests of you, the homeowner, not the insurance company. Too often, clients settle for less because they cannot interpret the hidden details of their policy. The cards are stacked against them.  Public Adjusters level the playing field by putting a trained, professional adjuster on your side, working to negotiate the maximum possible settlement possible for your loss.

We are unique in the Public Adjustment industry because of our emphasis on homeowner education. With a mission to "Educate and Protect the Policyholder," we offer a complimentary homeowners policy review and home inspection.  We does not sell insurance but instead teaches homeowners:
  • How an insurance claim is processed and what some of the determining factors are when determining a settlement amount.
  • What a Public Adjuster is and how one can help protect you and your family.
  • Common questions and misconceptions about property insurance and the insurance industry in general.
  • How to read your insurance policy and how to interpret some of the more complex conditions and limitations.
If you are interested in a no-charge policy review and home inspection, please contact us at 800-314-0868. You can also contact us if you have any questions about how to obtain money to repair damage to your home from recent storms or other events.
0 Comments

Help the Red Cross Save Lives!!!

12/19/2016

0 Comments

 
Picture
0 Comments

Think the Insurance Companies Are on Your Side?

11/3/2016

0 Comments

 
If you think the insurance companies are looking out for your best interest, think again!  Watch this short video from 60 minutes.
0 Comments

The Importance of Reviewing Your Policy

11/3/2016

0 Comments

 
Want to know the importance of reviewing your policy on a regular basis?  Check out this short clip from CBS.  ​Homeowners Insurance Alert
0 Comments
Forward>>
    Picture

    About Us

    We are public adjusters, licensed and bonded by the states of PA & NJ.  Our job is to educate & protect the policyholder.  

    ​We absolutely love what we do and are so thankful we have the opportunity to help others the way we do! Contact us for a FREE Consultation.

    Archives

    August 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    December 2017
    July 2017
    March 2017
    December 2016
    November 2016

    Categories

    All
    Claim Denied
    Claim Underpaid
    FAQs
    Free Consultation
    Policy Review
    Property Damage
    Public Adjuster
    What Is A Public Adjuster?

    RSS Feed

Call us for a FREE consultation

CALL NOW

    yes, I want to receive your quarterly newsletter!

Subscribe to Newsletter
Picture
Picture
Picture

Proud Members & Supporters of the following organizations:

Picture
Picture
Picture

Telephone

5707954045

Email

info@thehansengroup.org

Areas Serviced Include: All of Pennsylvania & New Jersey, including Northeast Pennsylvania, the Poconos, North Pocono, Wallenpaupack, Riverside, Waymart, Honsedale, Harford
Counties Serviced:  Lackawanna, Luzerne, Pike, Wayne, Monroe, Susquehanna, Wyoming
Townships Serviced: Roaring Brook, Newton, Clifton , Covington, Palmyra, Westfall, Abington, North Abington, South Abington, Turgis, Benton, Fleetville, Newton, Ransom
Cities Serviced: Scranton, Wilkes Barre, Dunmore, Dickson City, Clarks Summit, Carbondale, Old Forge, Moosic, Moscow, Blakely, Clarks Green, Jermyn, Olyphant, Dalton, Throop, Mayfield, Vandling, Taylor, Archbald, Elmhurst, Hamlin, Mount Cobb, Lakeville, Lake Ariel, Honesdale, Hawley, Tunkhannock, Greentown, Newfoundland, Sterling, Mount Pocono, Stroudsburg, East Stroudsburg, Promised Land, Lords Valley, Delaware Valley, Milford, Matamoras, Beach Lake, Tafton, Waverly, Ashley, Hazelton, Forest City, Gouldsboro, Thornhurst, Blooming Grove, Dingmans Ferry, Hemlock Grove, Ledgedale, Panther, Lackawaxen, Shahola, Childs, Simpson, Kingston, Pittston, Lake Winola, Factoryville, Wilsonville, Hop Bottom, Meshoppen, Montrose, Mount Pleasant, Union Dale, Nicholson, Harveys Lake, Dallas, Luzerne, Glen Lyon, Nanticoke, Sweet Valley, Bear Creek, White Haven, Blakeslee, Freeland, Pocono Pines, Tobyhanna, Swiftwater, Tannersville, Mountainhome, Skytop, Marshalls Creek, Masthope, Shikshinny, Berwick, Tamiment, Conashaugh, Bushkill, Bethany, Quicktown, Pleasant Mount, Poyntelle, Lakewood, Prompton, Waymart
Communities Serviced: Hemlock Farms, Big Bass Lake, Eagle Lake, Gold Key Lake, Sunrise Lake, Birchwood Lakes
PA License #760264 / NJ License # 1627926
The Hansen Group is an Affiliate of Metro Public Adjustment, Inc.
  • Home
  • Services
    • Insurance Education
    • Policy Review
    • Property Inspection
    • Claim Representation
    • Homeowners Awareness Seminars
  • Photos
  • Success Stories
  • In The Community
  • Contact
    • About Us
  • RESOURCES
    • Education Center
    • FAQs
  • INDUSTRY PARTNERS
    • Contractors
    • Realtors
    • Mortgage Brokers & Banks