Category: Rubin & Rosen Adjusters

BROOKLYN, NEW YORK — The winter season is currently underway and, for the eastern United States, the news is not good. Parts of New England and upstate New York have already been hit with snow and freezing temperatures. The next few months will be just as brutal.

According to the Old Farmer’s Almanac, the East Coast will experience a “Shivery & Snowy” season this year and into 2023. This will entail record-breaking cold and greater-than-normal snowfall. The coldest periods will take place in early January, late January and early February. James Guercio of Rubin & Rosen Adjusters is urging homeowners to check their pipes inside their homes before the temperature drops.

“It’s important to check the pipes inside your house this time of year,” Mr. Guercio says. “When the temperatures start to plunge, the water will freeze up and expand inside the pipe. This will cause the pipe to burst, resulting in flooding inside the house.”

Mr. Guercio also urged homeowners to check their insurance policies. “You may be covered for flooding inside the house, as well as any damage done to the floors and any furniture. However, before you undergo the remediation process, be sure to contact an insurance adjuster to make sure you receive the maximum amount from your insurance company.”

With locations in Brooklyn and Melville, New York, Rubin & Rosen Adjusters has been assisting homeowners recover from property losses for more than 30 years. For more information, call (718) 376-6800 or visit www.rubinandrosen.com.

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Government Agency Slightly Modifies Probability of Above-Average Hurricane Season from 65% to 60%

BROOKLYN, NEW YORK — When hurricane season officially began on June 1, the National Oceanographic and Atmospheric Administration’s (NOAA) Climate Prediction Center announced there would be a 65% chance that this year’s Atlantic hurricane season — which runs until November 30 — will be above average. This means this would be the seventh straight above-average hurricane season.

The center predicted there would be 14 to 21 named storms (winds of 39 miles per hour or higher), with six to 10 of those storms becoming hurricanes (winds of 74 mph or higher). Three to six of those hurricanes could become Category 3, 4, or 5 hurricanes, with winds reaching 111 mph or higher.

On August 4, the NOAA made slight changes to its forecast. It reduced the probability of an above-average season to 60% and predicted there will be 14-20 named storms, with 6-10 of them becoming hurricanes. Of those hurricanes, 3-5 will be major hurricanes.

James Guercio of Rubin & Rosen Adjusters says that, despite the NOAA’s modified forecast, homeowners should not fall into a false sense of security. “The NOAA is still predicting there is a more than 50% chance of an above-average hurricane season, no matter what the numbers say,” he says. “Make the preparations you need to make right now and check your insurance coverage.”

According to Mr. Guercio, there are three components to a homeowner’s policy: building, personal property and additional living expenses. “If one coverage is deficient on a significant claim, it can cause extreme stress on a family trying to recover,” he says, adding that homeowners should check to see if flooding is covered in their policies. “A flood with surface water is not covered. Flood insurance will cover surface water entering the home, even if the house isn’t in a flood zone.”

To prepare for a natural disaster, Mr. Guercio recommends that homeowners do the following:

• Have the roof inspected for any loose or missing shingles to prevent water damage
• Clean out the gutters and the liners
• Have the trees on the property inspected. Any branches that may look weak should be pruned or removed

Lastly, Mr. Guercio says, homeowners should review their policies before disaster strikes. “If your house has been damaged by a hurricane, that is not the time to see what your coverage entails,” he says. “If you are unsure what is covered and what’s not, contact your insurance agent immediately.”

In the event that the house is damaged, Mr. Guercio says owners should contact a public adjuster immediately. “A public adjuster will come to your house and inspect and assess the damage sustained from a natural disaster,” he says. “We don’t work for the insurance company. Rather, we make sure that the insurance company fairly reimburses the homeowner for damages. Always hire a public adjuster to review the damage. Don’t try to go through the insurance company yourself.”

With locations in Brooklyn and Melville, New York, Rubin & Rosen Adjusters has been assisting homeowners recover from property losses for more than 30 years. For more information, call (718) 376-6800 or visit www.rubinandrosen.com.

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BROOKLYN, NEW YORK — For five days, Hurricane Ida slammed its way up the eastern seaboard of the U.S., causing flooding, downed power lines, and mass destruction. Many houses were damaged as the result of fallen trees and flooding during the hurricane.

James Guercio of Rubin & Rosen Adjusters says homeowners should assess the damage from Ida immediately and contact a public insurance adjuster as soon as possible. “We are currently receiving claims from homeowners whose houses were damaged, but a majority of claims we are getting involve trees falling onto homes and flooding,” he says. “If your home has suffered damage as a result of Ida, don’t wait. File your claim now.”

With locations in Brooklyn and Melville, New York, Rubin & Rosen Adjusters has been assisting homeowners recover from property losses for more than 30 years. For more information, call (718) 376-6800 or visit www.rubinandrosen.com.

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BROOKLYN, NEW YORK — The National Oceanic and Atmospheric Administration (NOAA) has predicted that this year’s Atlantic hurricane season could be the most active on record. The NOAA predicts that this hurricane season will see 19 to 25 named storms, with about half of them becoming hurricanes. Several major hurricanes have already caused mass destruction, including loss of property and life.

In conjunction with National Preparedness Month, James Guercio of Rubin & Rosen Adjusters urges homeowners to review their insurance policies, especially in areas such as Long Island and New York City that are prone to hurricanes and Nor’easters. He advises that they consult with their insurance companies to determine what is covered and what isn’t, before the next natural disaster strikes.

National Preparedness Month promotes family and community disaster planning now and throughout the rest of the year. A disaster preparedness plan includes planning out communications between friends and family, stocking up on necessary supplies and knowing the risk of disasters in the area. Mr. Guercio said homeowners should also make reviewing the coverage in their insurance policies as part of their disaster planning.

“There are three components to each homeowner’s policy: building, personal property and additional living expenses,” Mr. Guercio says. “If one coverage is deficient on a significant claim, it can cause extreme stress on a family trying to recover.”

Mr. Guercio also says homeowners should take a proactive approach when preparing for the next catastrophic event. “Before the next storm hits, have your roof inspected for any loose or missing shingles to prevent water damage,” Mr. Guercio says. “Clean out the gutters and liners and have the trees on your property inspected, pruned, shaped or removed to prevent future damages.”

He also reminded homeowners to see if flooding is covered in their policies. “A flood with surface water is not covered in a homeowner’s policy,” he says. “Flood insurance will cover surface water entering the home, even if the house isn’t in a flood zone. These are things homeowners should not overlook.”

With locations in Brooklyn and Melville, New York, Rubin & Rosen Adjusters has been assisting homeowners recover from property losses for more than 30 years. For more information, call (718) 376-6800 or visit www.rubinandrosen.com.

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BROOKLYN, NEW YORK — For three days, Hurricane Isaias slammed its way up the eastern seaboard of the U.S., causing flooding, downed power lines, and mass destruction. Many houses were damaged as the result of fallen trees during the hurricane.

James Guercio of Rubin & Rosen Adjusters says homeowners should assess the damage from Isaias immediately and contact a public insurance adjuster as soon as possible. “We are currently receiving claims from homeowners whose houses were damaged, but a majority of claims we are getting involve trees falling onto homes,” he says. “If your home has suffered damage as a result of Isaias, don’t wait. File your claim now.”

With locations in Brooklyn and Melville, New York, Rubin & Rosen Adjusters has been assisting homeowners recover from property losses for more than 30 years. For more information, call (718) 376-6800 or visit www.rubinandrosen.com.