Snow & Ice Damage Insurance Claims Adjuster

Snow & Ice Damage Insurance Claims Adjuster

Funari Public Adjusters is your trusted snow & ice damage insurance claims adjuster, serving homeowners and business owners across Pennsylvania, New Jersey & Delaware. Winter weather brings unique risks to your property, and when snow or ice strikes, you need a professional team on your side.

Why Snow & Ice Damage Demands Attention

When snow and ice accumulate on your roof, around your building envelope, or inside your piping system, what may begin as a benign seasonal event can quickly escalate into a major property loss:

• Roof sagging, leaking or even collapsing under the weight of heavy snow or ice dams.
• Exterior damage from fallen tree limbs or wires brought down by ice.
• Interior damage from water intrusion due to melting snow/ice or burst piping as freezing conditions change.
• Hidden damage such as structural stress, insulation damage, or mold growth behind saturated drywall.

Standard property-insurance policies may cover such losses but only if the damage stems from a covered sudden and accidental event, and the policyholder meets the maintenance and mitigation expectations. Because insurance companies scrutinize winter losses carefully, having an advocate who knows the claim-process inside and out is critical.

How We Help as Your Insurance Claims Adjuster

As your chosen public adjuster, Funari Public Adjusters acts exclusively on your behalf, not the insurer’s. We understand the challenges property owners face when filing claims after snow and ice losses in Pennsylvania, New Jersey and Delaware.

Here’s our approach:

1. Rapid response. Once you discover snow or ice-related damage, we move quickly, guiding you to secure the property and prevent further damage, while coordinating with our team and your contractors.
2. Thorough documentation. We record the full scope of damage from visible structural issues to hidden deterioration. We document condition, weather event, materials, and repair estimates so your insurer receives a complete, substantiated claim.
3. Policy interpretation and coverage identification. Your coverage may include collapse, water intrusion, burst piping, ice dam damage, and more. We’ll review your policy language, clarify exclusions and make sure coverage opportunities aren’t overlooked.
4. Loss assessment and valuation. One of the key values of working with a professional adjuster is having all damage captured including code upgrades, demolition, remediation, contents loss, and business-interruption for commercial properties. We ensure your loss estimate reflects full replacement cost where applicable.
5. Negotiation and settlement support. Your insurer has teams working for them; we work for you. Using our documentation and expertise, we engage with the carrier’s adjuster, push back when necessary, and fight to maximize your settlement—ensuring you receive what you’re truly entitled to.
6. Clear communication and peace of mind. We know dealing with property damage, especially in winter, is stressful. Our team keeps you informed every step of the way so you can focus on your family or business, not the claim process.

Common Snow & Ice Damage Scenarios We Address

• Ice dams forming along eaves, backing water under shingles, leaking into insulation, ceilings and walls.
• Roof collapse or partial collapse due to heavy snowpack and added ice weight.
• Exterior damage from ice-laden tree limbs or powerlines brought down by compacted snow / ice.
• Frozen plumbing, burst pipes and water damage in unheated areas like garages, attics, mechanical rooms.
• Commercial roof membrane failure from repeated freeze/thaw cycles, leading to interior leaks and contents damage.

In the greater PA/NJ/DE region, properties built for milder winters may face unexpected strain when heavy snowfall or ice build-up occurs. Add to that the complex interplay of insulation, ventilation, heat loss and roof design and you’ll see why specialized help is so important to properly evaluate and communicate damage.

Prevention Tips to Minimize Risk

While damage may still occur, taking proactive steps can reduce the potential severity and cost of snow and ice events:

• Ensure attic insulation and roof-ventilation are properly maintained so warm air doesn’t melt snow unevenly and create ice dams.
• Clear gutters and downspouts so water can drain freely.
• Remove heavy snow from flat or low-slope roofs before it accumulates dangerously.
• Trim trees and branches close to the building to avoid broken limbs from ice loads.
• Drain and winterize exterior water systems, especially if portions of the building are unheated.
• Have a qualified contractor inspect roof structure, insulation and drainage before winter storms arrive.

These tips align with best-practice guidance for winter-damage risk reduction and can strengthen your position in the event you need to file a claim.

Serving Pennsylvania, New Jersey & Delaware

Whether you’re in suburban Philadelphia, northern New Jersey, or across Delaware, our licensed and bonded team of professionals is ready to assist you with snow and ice damage claims. We’ve been serving property owners since 1987 and have extensive experience navigating the insurance claims processes across the tri-state region.

Take the next step

If your home or commercial property has experienced damage due to snow and ice, do not wait. Contact Funari Public Adjusters, your snow & ice damage insurance claims adjuster. We will assess your loss, protect your rights, manage the documentation and negotiate with your insurer so you don’t have to face that battle alone.

Frequently Asked Questions (FAQs)

What should I do immediately after noticing snow or ice damage to my property?

Start by ensuring your safety and preventing further damage. Turn off affected utilities, if necessary, take detailed photos and videos of the damage, and avoid making permanent repairs until your adjuster has documented everything. Contact Funari Public Adjusters right away for professional guidance on next steps.

Does Funari Public Adjusters handle both residential and commercial snow and ice damage claims?

Yes. We represent homeowners, landlords, and business owners throughout Pennsylvania, New Jersey, and Delaware. Whether it’s a single-family home or a large commercial property, our team has the experience and resources to handle claims of all sizes with professionalism and care.

How long does the snow and ice damage claims process usually take?

The timeline can vary depending on the extent of the damage and the complexity of your insurance policy. Simple claims may be resolved in a few weeks, while larger or disputed claims can take several months. Our adjusters work efficiently to expedite the process without compromising accuracy.