How United Public Adjusters & Appraisers (UPA) Can Help
As a home or commercial property owner, you may be bracing for the upcoming winter months, concerned about frozen pipe damage or the possibility of filing a roof damage claim. United Public Adjusters & Appraisers (UPA), a leading public adjusting firm, is here to guide you through your winter property damage claims from start to finish.
It’s important to know that you don’t have to face this stressful process alone. Our licensed and highly experienced team conducts detailed damage assessments, documents all losses (including hidden and secondary damage), and compiles a comprehensive claim file complete with inventories and valuations. Acting as your advocate, your public adjuster for your roof claim, frozen pipe damage, or structural and personal property damage, United Public Adjusters & Appraisers will negotiate directly with your insurance company, and keep you informed at every step, ensuring your roof, frozen pipe, or other winter-related property claim is handled efficiently and fairly.
What Is Winter Property Damage?
Winter property damage refers to losses caused by snow, ice, wind, and freezing temperatures. Common types include:
Frozen Pipes: When temperatures drop, water inside pipes can freeze, expand, and burst, causing significant water damage and potential flooding.
Ice Dams: Snow buildup on the roof melts and refreezes, creating blockages that prevent proper drainage. The trapped water can back up under shingles, leading to leaks, mold, and structural damage.
Roof Damage: The weight of snow and ice can stress or collapse roofing structures, especially on older buildings or roofs more than 20 years old. Even if a collapse doesn’t occur, residual water and insulation damage are common. That’s why you need a public adjuster for your roof claim. Be sure to partner with our team, United Public Adjusters & Appraisers, for an optimal result.Â
Water Damage: Melting snow and ice can seep into walls, ceilings, and floors, damaging structural materials as well as personal property like furnishings, equipment, and inventory.
Damage Assessment & Documentation
As your public adjuster for your roof claim, frozen pipe damage, or structural and personal property damage, United Public Adjusters & Appraisers conducts a comprehensive evaluation of your property, identifying both visible and hidden damages. Our process includes:
- Detailed inventories of damaged personal property, supported by receipts and serial numbers when available.
- Extensive photo and video documentation to capture the full extent of damage.
- Accounting for additional living expenses if your property becomes uninhabitable during repairs.
Claim Presentation & Negotiation
Once documentation is complete, UPA handles all communication and negotiation with your insurance company. Acting as your public adjuster for your roof claim, frozen pipe damage, or structural and personal property damage resulting from Winter-related issues, we:
- Challenge low or incomplete settlement offers.
- Interpret your policy to ensure all coverages, limitations, and exclusions are properly applied.
- Present a thoroughly substantiated claim package designed to secure the most favorable outcome.
Settlement & Recovery
UPA’s goal is to maximize your settlement and accelerate your recovery. We work to ensure prompt payment for:
- Structural repairs
- Personal property replacement
- Additional living or business interruption expenses
Our experts also review settlement offers, clarify coverage details, and keep you updated throughout the process.
Get Expert Help Before Winter Strikes
Don’t wait until a roof leak or frozen pipe damage disrupts your home or business operations. Contact United Public Adjusters & Appraisers today to discuss your winter property damage concerns. If you’ve already sustained losses, our experienced team will help you navigate your insurance claim process and secure the fair, full settlement you deserve.
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