First Call Blog

Mistake 5: Immediate Actions After a Loss

Immediate Actions: Demo & Mitigation Most people who find themselves in the unfortunate situation of having a property loss find themselves experiencing the claims process for the very first time as well. This lack of a reference point for the claims process can lead to misconceptions and mistakes, especially in the hours, days, or weeks […]

Mistake 4: Failing to Take Control of Your Claim

Have you seen those insurance commercials where a kindly insurance adjuster is at the scene of a disaster, immediately cutting a generous check to the devastated homeowner? If you have, and that’s what you think happens, I’m sorry to tell you it’s not quite like that. Imagine you’ve been hit by a car. You miraculously […]

Mistake 3: Being Unaware of the Claims Process

As you have probably already guessed the claims process is very complicated and difficult to navigate successfully. When you have had opportunity to work with a number of adjusters from a number of different companies you realize why—the insurance company adjusters are just people. People who deal with situations differently based upon their training and […]

Mistake 2: Knowing When and How to File a Claim

When to File a Claim One thing to consider when filing a claim is whether or not you should file a claim. In some cases, especially with regard to larger properties or multi-property policies, clients have opted for a larger deductible to reduce the cost of the insurance policy. If the claim looks like it may fall […]

Mistake 1, Part 4: Not Understanding Covered Perils

Nashville is a vibrant city with a musician on every street corner who has a song in their heart and a big dream of musical success. One morning in 2010 the skies opened up and the rains fell, dropping up to 20 inches on Music City. The quantity of rain resulted in a thousand year flood that […]

Mistake 1, Part 3: Not Understanding Coverages

Your insurance policy is the contract of insurance that outlines all of the ways you are to be compensated in the event of a loss, all of the limitations to that compensation and the exclusions that apply. The language in an insurance policy is not what most people would call “light reading.” The policy, being […]

Mistake 1, Part 2: Not Understanding Coinsurance

The second area of misunderstanding that I would like to highlight is coinsurance. Coinsurance is an extremely difficult mathematical calculation that insurance companies use to insure that a property is properly insured, or has the proper amount of insurance coverage. As it applies to the structure, it is based upon an undetermined building valuation and […]

Mistake 1, Part 1: Not Understanding ACV & RCV

The number one mistake we see in the claims process is not understanding your insurance policy provisions. A lack of understanding can lead to a lack of coverage due to the wrong type of coverage, the wrong policy limits, or the wrong items covered. If it’s not covered in your policy documents you won’t get paid, and that […]

The Top Seven Insurance Claim Mistakes: Intro

We have a common saying here at FirstCall…you don’t know what you don’t know. Only a small portion of the general population will ever experience catastrophic property loss such as a fire or flood that decimates their home or place of business. For these unlucky few, it’s no wonder that mistakes are made throughout the […]

Six red flags to watch for when hiring a public adjuster

After a major disaster an abundance of contractors, adjusters and restoration companies are sure to come knocking at your door looking for business. Who do you hire? How can you know who to trust? Making a wise decision at this point is essential for a successful recovery. A public adjuster (PA) could possibly be the […]

Ten Tips for Choosing a Public Adjuster

Experience and Credentials?  Public Adjusters are required to be licensed by the state. Request their license number and verify via the state’s Department of Insurance website or by contacting the DOI directly. Also, don’t be afraid to ask about the adjuster’s background. How long have they been in this line of work? Here at FirstCall, […]

FirstCall Employees Give Back

How to Create an Inventory, Whether You’re Naturally Organized or Not

You may be surprised to know that losing all of my earthly possessions was the easy part of having an arsonist set my house on fire. The hard part was wrangling with the insurance company while trying to build a new house. Have you seen those insurance commercials where a kindly insurance adjuster is at […]

10 Real Ways You Can Help After a House Fire

“Did you ever think your house would burn down?” Eden, my then seven-year-old daughter asked me every couple days, for months, after an arsonist randomly set our house on fire. “No,” I would answer each and every time. “I just never thought my house would ever burn down,” she would say, shaking her head. Neither […]

Coverage Implications for Landlords

The Uniform Residential Landlord Tenant Act has recently been updated with the following statute: Landlord and Tenant – As enacted, allows a landlord pursuant to the Uniform Residential Landlord Tenant Act to terminate a rental agreement if the premises are damaged or destroyed by fire or casualty to an extent that restoring the premises to […]

Cautionary Coverage Tales from the Trenches: Sewer/Drain Backup

This article is written by Steven B. Pollack and re-posted from United Policyholders… In 2008 a severe rainstorm dropped 7” of rain over the weekend. When the owner came back on Monday, there was 18” of water backed up inside the building that damaged $1.5 million of equipment. He called the insurer expecting coverage. Insurer’s adjuster […]

Change Your Clock, Change Your Battery

Five minutes. That’s all it takes and isn’t it worth it if it could save your life or the lives of those you love? This weekend is the time change, so don’t forget to spring forward an hour! And while you’re changing those clocks around your house, be sure to change the batteries in all […]

Using Vendors After a Loss

You’ve experienced a major loss. You want it cleaned up. You want to demo the damage and build back. We get that. We understand that recovery is a top priority and that you are probably anxious to get back to the day to day concerns of what to have for lunch or what color to […]

Getting Ready for Severe Winter Weather

So you survived the polar vortex that hit the nation last week. Did your pipes survive the below freezing temps? Are you prepared for the second burst of frigid air coming this week? Frozen pipes can wreak havoc on homes and businesses when temperatures start to warm up. Keeping the plumbing protected from freezing can […]

Prepping Your Business for Winter Weather

Re-posted from IBHS. As a business owner, you should take the time now, if you haven’t already, to begin preparing for the arrival of freezing temperatures, snow and ice that may damage commercial property and interfere with your daily operations. The following checklist from the Insurance Institute for Business & Home Safety (IBHS) offers winter weather […]

Happy Thanksgiving!

Wishing you and yours a happy Thanksgiving this year! Just a reminder to please be careful in the kitchen this holiday season. More cooking fires occur on Thanksgiving than any other day of the year. According to the USFA, there are an estimated 2,000 Thanksgiving fires resulting in an average of 5 deaths, 25 injuries […]

How to lose $70,000 in one day

Reposted with permission from Chappel Smith and Associates Clear on Top blog… Coinsurance is an important part of each property insurance policy.  It may be stated in a percentage (usually either 80%, 90% or 100%) or it can be waived and not apply. Most insurance buyers and many insurance personnel don’t understand coinsurance.  The issue […]

FREE SEMINAR: Insurance Pitfalls

Thursday, July 11, 2013 6:00 – 8:00 pm Location: FirstCall Corporate Office 615 Berry Rd Nashville, TN 37204 Own multiple properties? This seminar is for you! Enjoy some finger foods and networking while learning how to interpret the legalese of your policy. We have no vested interest in selling insurance, nor do we represent any […]

Insurance Pitfalls: What you don’t know can hurt you.

Dangers of an Actual Cash Value (ACV) Policy Insurance is a necessary evil. The more properties you own, the greater the chance you will need the coverage, but how do you know what you will need? And do you even know what your current policy covers? David Brukiewa, insurance agent with AAI, says: “As I […]

The emotional roller coaster…and how FirstCall can help.

Many of our clients have said that FirstCall Claims is not only a company that helps with insurance claims, but that we are a company that helps them through an emotional process after they have experienced a major loss due to fire, wind, water or other peril. We realize that our clients don’t just lose […]

How the insurance company pays a claim: RCV vs. ACV

When it comes to understanding insurance coverage there are numerous terms that most people are unfamiliar with including Indemnity, Actual Cash Value (ACV), Replacement Cost (RCV) and Depreciation. Indemnity is probably the most basic and fundamental principle of property insurance. The basic purpose of insurance is to cover a loss that you have suffered. Indemnity […]

Examination Under Oath (EUO)

So you’ve heard the dreaded words “Examination Under Oath” or EUO. What does this mean? Why has your insurance company hired an attorney? What can you expect? Does it mean your insurance company won’t pay your claim? An EUO is a formal process set forth by your insurance company used to obtain information from you regarding the […]

What To Do After A Loss

Some of the most important steps that need to be taken immediately after a loss are often times overlooked by those who have suffered this tragedy. The decisions you make as a property owner in the first few hours and days of a claim go a long way to ensure you have the best claims […]

Inventorying Your Home

The perils of compiling the entire contents of your home or business can seem insurmountable at best and extremely emotional on an entirely different level after a major loss. Couple the actual loss with the often strenuous requirements in your insurance policy and the task before you can seem impossible. Given our proven record in […]

What is a Public Adjuster?

There are 3 types of adjusters. First, there is a Company Adjuster. They are employed, trained and loyal to the insurance company they represent. Their primary responsibility is to protect the interests of the Insurance Company. Next, you have an Independent Adjuster. They are hired by the Insurance Company to represent them in dealing with […]

Additional Living Expenses

At FirstCall, our top priority is making sure our clients are taken care of—that is why we assist our clients with Additional Living Expenses (ALE). Additional living expenses are incurred when you are temporarily displaced from your home due to property loss such as fire or flood damage. Did you realize that ALE is usually […]