The Good News And The Bad News

Frozen Pipes Water Damage | Professional Loss Adjusters

The Old Farmers Almanac recently released its General Winter Weather Summary.

The 2017 Almanac says that a super cold winter is on tap—with below-average winter temperatures. (We's not what you want to hear!)

The Bad News:

  • Freezing temperatures will be especially pronounced along most of the Atlantic seaboard and in the Ohio Valley, Great Lakes, Pacific Northwest, and southwestern states.

  • The Northeast, Ohio Valley, northern Plains, and Pacific Northwest should brace for a slew of snow.

  • “Super cold is coming,” says our Almanac editor Janice Stillman.

The Good News:

  • Areas with record-shattering snow last winter—like Boston—won’t have to deal with quite so many flakes.”

Here, at PLA, we are still fighting for homeowners and business owners who suffered property damage in last year's epic ice and snow storms. Insurance companies have been slow to settle and, in many cases, have undervalued the damage. With this in mind, we can never stress enough how important it is to contact us immediately upon discovering a disaster.

In this instance, we were immediately called by the owners and were able to respond to this loss right away. We photographed and documented the frozen basement (as seen above) before the ice melted, preserving the evidence of the loss. 

With this, we were able to prove to the insurance company the extent of the damage, and clearly illustrate that the oil burner and the controls needed to be replaced. Once the ice melted, we would have had very little photographic evidence of the extent of the damage.

Professional Loss Adjusters helps in every phase of the claims process, as well as expediting payment. We get better results because we:

  • Perform a thorough review and analysis of your insurance policy to determine how it can be used to help you recover from the loss as quickly and economically as possible.

  • Assist you and your personnel in making the critical decisions that will affect you as a result of the loss.

  • Make an on-site analysis of the building damage and prepare a detailed estimate of the cost to reconstruct the property.

  • Attend to the detail work of a property, business interruption, extra expense, loss of rent or additional living expense claim—as applicable to your situation.

  • Create a complete photographic inventory of the loss for insurance documentation.

  • Present and support a detailed and itemized claim package to your insurer.

  • Advise you how we can integrate the claim with your restoration efforts without disruption to your home or business operations, so that you can focus on recovery.

  • Help expedite insurance progress payments.

  • Keep you apprised of the status of your claim and seek your approval before the claim is settled.

  • Maintain good relations with your insurance company.

  • Secure the best possible settlement in the shortest time frame. 

    Our service fee represents a small percentage of the claim settlement, and is regulated by the state in which we are working. This is offset by a better settlement than you would be able to obtain on your own.

And Remember:
There is not much we can do about Mother Nature. We can, however, protect our investments. If your home or business is damaged this winter, call us right away. Don't throw anything away. And, follow these instructions in the event of a loss.


Leonard Theran, SPPA

Len earned a Bachelor of Science degree in Mechanical Engineering from the Massachusetts Institute of Technology and an MBA from Stanford University. He has more than 35 years of adjusting experience and also earned the SPPA designation. Because he has also been involved in the management of several high-tech companies, Len has a unique perspective when adjusting industrial losses. He is a past-President of the Massachusetts Association of Public Insurance Adjusters (MAPIA) and is on the Board of Directors of the National Association of Public Insurance Adjusters (NAPIA) and CAI-New Hampshire. He has also qualified as an Expert Witness and has been a featured speaker before several organizations including the Risk and Insurance Management Society, the Institute of Real Estate Management and Lorman Education Services.

Len is licensed in Massachusetts, Connecticut, Maine, New Hampshire, New Jersey, Rhode Island, Vermont, Georgia, North Carolina, South Carolina, Texas, West Virginia, Virginia, Oklahoma, Florida, and the U.S. Virgin Islands.