Founder and president of AmeriClaims, a public insurance adjusting firm in Charlotte, NC.

Worked and trained in London, England with Lloyds of London, after earning a Bachelors Degree in Business Administration at Western Carolina University.

Over 20 years experience handling residential and commercial property damage claims including fires, floods, tornadoes and hurricanes.

Member of the National Association of Public Insurance Adjusters (NAPIA), Windstorm Insurance Network and the Charlotte chapter of the Better Business Bureau.

Associate in Claims (AIC) and Senior Claims Laws Associate (SCLA) designations earned.

Expert Articles by Robert W. Freitag

Home, Auto, and Theft Insurance

	Homeowners - be prepared before a disaster strikes! We always hope that we will not be impacted by floods, wildfires, tornadoes, hurricanes, ice storms, or other natural disasters, but we never know. Why not be prepared in case you are affected by a di...
	Advice on making a property damage insurance claim After you have had a claim to your home or business, your world is thrown into a tailspin. You will have many different parties advising you how to proceed, and you must start making some very importa...

Information Technology

Business owners - be prepared for disasters As business owners we hope we never encounter a natural disaster. The truth is, in any given year, there are fires, tornadoes, hurricanes, floods and earthquakes. It is safe to assume that your area i...

Expert Articles Sponsored by Robert W. Freitag

Home, Auto, and Theft Insurance

	Homeowners - be prepared before a disaster strikes! We always hope that we will not be impacted by floods, wildfires, tornadoes, hurricanes, ice storms, or other natural disasters, but we never know. Why not be prepared in case you are affected by a di...
	Selecting umbrella insurance If you ever find yourself in the unfortunate circumstance that was described above, you’ll be happy you have Umbrella Insurance. Now that you are more knowledgeable on the product, you can see that ...
	How to file an umbrella insurance claim An insurance company’s primary goal is not to pay money to claimants; its to make a profit for their shareholders. In some cases, when paying claims, an insurance company will not notify you of the ...
	Advice on making a property damage insurance claim After you have had a claim to your home or business, your world is thrown into a tailspin. You will have many different parties advising you how to proceed, and you must start making some very importa...
	How to protect and insure your electronic devices Smartphones, laptops and other electronic gadgets that organize and enhance our lives are worth the time investment to learn how best to protect them. Keep gadgets safe by taking precautions, such as ...
	The right auto insurance will guarantee protection for your new car Auto insurance provisions are complex. You cannot simply rely on an advertisement to determine your levels of coverage and you should buy the plan with an eye on protection first and price second....
	Expert advice before you add a teenage driver onto your auto insurance When your child does become licensed, your premium will increase no matter who insured you. It does pay to shop around. The best way to do that is to contact an independent insurance agent. They have ...
	Shop online for new car insurance with confidence While everyone wants to save as much money as possible on their auto insurance, please ensure the proper protection is in place before making any decisions. Quoters will try to sell you whatever they ...
	Getting the most out of your leased car insurance coverage Part of your insurance premium may based on your credit score. Companies cannot base your premium completely on credit score, but it does play a large part in determining the rate you pay, or even if ...
	Get the best auto insurance coverage for your used car The downside of buying a used car might be a high insurance bill. To avoid that, work with your independent agent to make sure you are getting all of the credits available to you, and that you’re dr...
	Buy a vehicle service contract to save money when warranty expires Following these best practices to select a high-quality service contract provider will ensure the best experience when your automobile needs repairs. Don’t allow the expiration of your factory warra...
	Know how much home insurance to get with the help of a broker As you can see, deciding what value to insure your home for is very important. Following the advice above will aid you on your journey to perfect home insurance protection. While I hope you find an af...
	Advice on making a home insurance claim easy and stress free The claims process is far simpler than most would think. As long as you are knowledgeable of your coverage and keep thorough records immediately following the reporting of a claim, the process should ...
	Does damage to your home mean you should file an insurance claim? In the event of major damage to your home property, always take quality photos and documentation of the damage. Also put up a secure covering over the damage to ensure minimal-to-no further damage occ...
	Do you rent a house or apartment? Get renters insurance coverage Renters insurance may sound unnecessary or too temporary of a thing to worry about, but it takes care of you and your present situation. As you presently work and save for your future and your retirem...
	Being a smart car owner and safe driver will save you money While owning a car is necessary for many people today, it has the potential to put a significant financial burden on drivers. With the increasing cost of gas, the need for insurance, and the financial...
	Auto insurance protects you and other drivers on the the road Many people just get the basic auto insurance coverage and ignore all the other benefits they can gain for just a little more cost each year. If you are going to be paying for coverage every month, ta...
	Save money by bundling your renters and car insurance policies The most important thing to remember is this: if you want to do business with just one company, they generally offer a discount for bundling your policies. Keep track of your credit score and be a sma...
	Protect your vacation home with the right home insurance policy As you can see, there are many minor details specific to insuring vacation homes that can be the difference between a claim being fully covered or denied. Please contact a qualified broker to discuss ...
	Auto insurance claims can result in higher premiums and surcharges Not every bit of damage to your car should result in a claim because it could easily cost you more in the long run with higher insurance premiums. Othertimes, it will save you money and get you back t...
	When should you file a home insurance claim or pay out-of-pocket? Being able to file a home insurance claim is the reason why people have insurance in the first place, but it’s always important to keep in mind that premiums can increase, surcharges exist, and an i...
	Protect everything in your home and car with theft insurance As you can see, there are many facets to theft insurance. A theft claim can leave a homeowner with a large out-of-pocket expense if their coverage is not proper for their specific needs. Please rememb...
	Choose the right home insurance policy for your condo or co-op As you can see, condos and co-ops involve some specific caveats that are atypical on the standard homeowner’s policy. Please follow this advice and make sure you contact an insurance professional to...
	Homeowners: Factors to consider when purchasing home insurance Some key points to remember: Go higher, not lower with your liability coverage. Make sure your home is insured for replacement—not market—value. To lower your premium, try raising your deductible....
	Advice for college students getting their first car insurance Research is the key, both in choosing an agent as well as a company that is compatible with your budget. Heed this advice to help you find the best and cheapest insurance as you make your way to colle...
	Why everyone should have an umbrella insurance policy Umbrella insurance is useful to have in so many different circumstances. Set up an appointment with your insurance agent to discuss what kind of coverage you need. No one can ever have too much liabil...
	Buying insurance is a necessity you can't ignore When you spend your valuable time researching insurance and navigating confusing policies, you want to be sure you’ve purchased the best for you and your family. An insurance agent will be invaluabl...

Home Emergency, Preparedness, and Recovery

	Protect your home from mold and prepare for flooding during a storm Being prepared for a hurricane can make the storm much easier to handle. Following these simple tips can help prevent damage to your home....
	Prevent and remove mold in your home with certified mold inspectors Mold is a common problem in many homes, and can cause serious health problems. These expert tips can help you to prevent mold before it happens, and guide you through what you should do if your home h...
	Secure and protect your home and family from a home invasion Home invasions happen to people who are caught off guard or to those who aren't prepared. Put these systems in place to reduce your risk....
	Expert advice on preparing your family for a natural disaster Work with your whole family to devise a disaster plan that covers several likely scenarios for your location. Review and practice this plan twice a year. Prepare go-bags with food, water, clothing and...
	Protect and seal your home from insects and pests for the winter Overwintering pest species may vary from state to state and region to region, but they have one behavior in common: they are seeking shelter from the winter when they invade your home. Prepare your ho...
	Protect and prevent your family and home from a fire There are over a million fires in the US every year and most home fire deaths occur in homes without working smoke alarms and among families who are unclear on how to escape. The leading killer in hom...
	Protect your home and family from your Christmas tree catching fire ...
	Avoid a house fire when cooking with a turkey fryer this Thanksgiving If it’s your turn to host for Thanksgiving dinner, you probably feel at least a little bit of pressure to make sure everybody is well-fed. A little planning and preparation can help make sure that n...
	Protect your home against bed bugs and what to do if you have them Bed bugs do not carry disease, but they will leave little bite marks that are itchy and unpleasant. Their small size and ability to hide and reproduce quickly make them more difficult to detect and to...
	Be prepared and safeguard your home and family from hurricanes The time to plan for a hurricane is before the storm arrives. It is never too early to have your master list of friends and family, service providers and post-storm experts on hand. Getting a survey o...
	How to prepare and survive a hurricane or other natural disaster A natural disaster can be scary because of the unknown factor. Yet even amidst uncertainty, there are ways to plan and prepare so you can protect yourself and your family during and after any possible...
	A property management company can help you prepare for a hurricane When it comes to hurricane preparedness, your property manager should be anything but a fair weather friend. Look to your property management company as a partner to help your association think ahead ...

Health Insurance

	Manage your health savings account When managing your HSA, you should always keep in mind the fine print. In particular, it is important to be aware of your deductible, your maximum out of pocket payment, and your annual contribution l...
	Selecting disability income insurance Income protection is important because your income is important. Your ability to earn an income is the basis for your standard of living, your financial goals and your retirement savings. Look at it t...
	Why you need travel insurance for your trip Good travel insurance coverage shouldn’t cost you a fortune. In fact, you should expect to budget no more than an additional 7 to 8 percent of the cost of y...
	Purchasing travel medical insurance Travel medical insurance is an integral part of your next international vacation. Make sure you go over plans carefully and ensure that you are getting the best deal and coverage for your specific tra...
	Dealing with a family member's long-term care insurance In reality, long-term care insurance policies are expensive but we can’t disregard the fact that they are very valuable. Getting one for yourself or for a loved one ensures that the beneficiary will...
	Considering a Flexible Spending Account (FSA)? FSAs or Flexible Spending Accounts offer a valid and easy vehicle to utilize pre-tax dollars and achieve significant tax savings for common eligible expenses. Given the wide array of eligible expenses...
	No longer covered by your parents’ health insurance? Since the late 1970’s, we have been conditioned that health care should be free or almost free. Consumer’s wanted low-co-pays and low premiums. With the advent of an amazing amount of medical adva...
	Buy travel medical insurance for a safe study-abroad experience As you can see, travel medical insurance is an integral part of your next trip to study abroad. Just as important as broadening your educational horizons, so to is making sure your health and wellness...
	Best pet insurance policy to protect your cat or dog and budget For many of us, dogs and cats are not just pets – they’re members of the family. While every parent wants to provide their pets with the best care possible, sometimes the high costs can force you ...
	Long term care insurance ensures you're covered for medical costs Following this suggested advice should give you a good idea of what the costs are and which long term care option works best for your particular situation. Every person has different needs, but it is ...
	Know how to navigate the Affordable Care Act to get the best coverage The ACA aims to transform the U.S. healthcare system, and has already expanded coverage of young adults, eliminated lifetime limits on what insurance will cover, lowered the cost of drugs for seniors ...
	Recent college grads should understand their health care options Young, health Americans make up a large percentage of America’s uninsured. In fact, 16 million young adults are uninsured in the U.S. Under the Affordable Care Act, 82% of them will qualify for fede...
	Prepare for higher medical costs during senior and retirement years Heathcare could bankrupt this country as it has millions of Americans. There is still no real assurance that you can avoid a catastrophe if something unexpected happens. But if you do the best to prep...
	Plan ahead for Alzheimer's and obtain long-term health insurance Alzheimer’s is a debilitating disease that is on the rise as the baby boomer generation reaches retirement age. It behooves Americans to prepare for this disease by making sure the proper insurance ...
	Advice for women on getting long-term care insurance Long-term care insurance is an important part of an overall financial plan, especially for women. By doing a bit of homework, you can be prepared and put a plan in place to cover any future long-term ...
	Health and disability insurance can protect you when playing baseball You may not think of disability insurance as a necessity for your career but disabling sports injuries seem to be happening with increasing frequency. The benefits from this insurance will keep you an...
	How to get the right health insurance coverage for you and your family Health insurance and the cost of medical care can be intimidating, but there are creative ways to save money within the system. To learn more about your health insurance options and what the health re...
	Protect your family's financial security with the right insurance Insurance has become an important part of life, as it should be. The likelihood of disability or a significant injury increases every year, not to mention disasters that can destroy your home in a spl...
	Determine your need to buy a long-term care insurance policy Not everyone needs a long-term care insurance policy but it always pays to be well informed. Get in touch with your insurance agent or a trusted expert to talk to you about your current insurance need...
	Think ahead when purchasing a long-term care insurance policy Many states offer a list of websites and companies you can go to with questions regarding a LTC insurance policy. By taking the time now to decide on your long-term care, the more stability and comfor...
	How to apply and receive veteran's benefits and services Many veterans are eligible for benefits and services as a result of their military service. Although the process can be frustrating, there are a lot of options that can help you work through it to rec...
	How to mitigate and avoid the denial of a health insurance claim When a health insurance claim is denied or delayed, it only adds to the existing problems for customers. That is why it is so important to know what your policy covers and the steps you can take to he...
	Understand the financial benefits of voluntary insurance If you were to become disabled or ill for a long time, hopefully you and your family would be taken care of. However, if you're uncertain of your financial situation, now is the time to cover that ris...
	Advice to recent college graduates on buying necessary insurance These are not the only insurance policies out there. Have someone guide you through which policies are the most important for you to have upon graduation and save the others for when you have the stab...

Life Insurance

	Selecting term life insurance Life insurance is a product that has been helping to provide financial stability to families and their loved ones for decades, during challenging times of grieving and loss. This article has discussed...
	Selecting whole life insurance when you're newly married Whole life insurance can be the heart of a strong, full financial plan. Bought properly and structured appropriately, it can serve both the insured and their beneficiaries safely throughout their life...
	Selecting whole life insurance These guidelines will help in making one aware of a few aspects in selecting a whole life policy, but it is imperative that one seek proper financial counsel to ensure that one’s financial objective...
	How to use life insurance to protect assets This article is meant to be an introduction to the use of life insurance in a tactical and specific way. There are countless nuances in policy construction and features, as well as the individual need...
	Understanding your Canadian permanent insurance options
	Selecting Canada's Term-to-100 life insurance Term-to-100 Insurance is a very simple product, and is one of the more affordable types of Permanent Insurance available. Although it is simple, care and proper planning must still go into selecting t...
	Selecting Canada's whole life insurance Permanent cash value whole life insurance can be a complicated product, but as long as it is structured properly and the right fit exists within your personal situation, it can prove to be a great add...
	Selecting Canada's universal life insurance Everyone wants to protect and give their family financial security in case of an unforeseen disaster. Life insurance is one of the most convenient methods to achieve this goal. But, which life insuran...
	Shop online for term life insurance that is right for you Many people find life insurance too complex, and they put off the decision of buying a policy. Let’s face it, who wants to think about their death? However, life insurance is the cornerstone of any ...
	Protect your family in your 40's with right term life insurance Without adequate life insurance to protect your dependents, they will surely be left behind to fend for themselves while facing the burden of certain financial hardship. Term life insurance is the lea...
	Financially protect your family’s future with term life insurance While life insurance is not a glamorous purchase that you can show off, it provides money for your family to carry on without you when it is needed most. It means your spouse is not working day and ni...
	Between 20 and 25, protect your financial future and buy term life insurance Term life insurance is the right product for a short term protection need. It also gives you significant coverage when wealth and cash flow do not allow a permanent insurance solution. However, in the...
	Saving money is easy when you buy term life insurance in your 20s Make sure your life insurance policy has a “convertibility” feature to give you options down the road. Always purchase your term insurance with the “Waiver of Premium” rider in the event of a ...
	Buy term life insurance when you are young, married or have a baby The best time to purchase a term policy is right after you are married and have some assets and definitely after the birth of a child. In deciding the dollar amount and time period for the policy, you...
	How to get term life insurance with pre-existing health challenges As society lives longer, insurance companies have become more apt to approve people that have a pre-existing health condition. Work with an experienced agent that has experience in impaired risk life ...
	New parents: Understand whole life insurance before buying Regardless of the type of life insurance you want to buy, the most important factor to consider is how much life insurance your family will need if the primary income earner were to die unexpectedly. ...
	Read and understand the life insurance policy before you make a claim For most people the life insurance they own at death can be their single largest estate asset. Making certain that the proceeds are paid correctly and to whom you want is critical for the successful t...
	Advice on using permanent life insurance as an investment vehicle Permanent life insurance is a self-completing accumulation vehicle used by those who understand how it fits into their overall financial goals for a lifetime full of changes and milestones. The level ...
	Expert advice for getting a high risk life insurance policy If you are looking for a life insurance policy but pose a higher risk than a standard adult, you’ll need to take a few extra steps to ensure you get the best coverage at the best possible rates. It ...
	Options for life insurance when diagnosed with prostate cancer Applying for life insurance with prostate cancer takes patience, and it is important to be informed of what to expect when applying for life insurance coverage. Despite popular belief, affordable life...
	Learn the benefits of a No Medical Exam life insurance policy As life expectancies increase, life insurance companies are more likely to accept a policy from an applicant without having to undergo a health exam. When you work with an experienced life insurance b...

Information Technology

	Business owners - be prepared for disasters As business owners we hope we never encounter a natural disaster. The truth is, in any given year, there are fires, tornadoes, hurricanes, floods and earthquakes. It is safe to assume that your area i...
	Prepare your business for disaster using online technology There is no way to completely avoid the inconvenience and trouble a natural or manmade disaster will have on your business. With a few simple changes, however, there are ways in which you can minimize...
	Protect your business and intellectual property from hackers In today’s fast paced business world no one just works from the office anymore. Our employees and clients are always on the go and working outside of the office, using mobile devices for telecommuti...
	Protect your business with an electronic data management system Choosing an electronic data management system is not easy. However if you follow the advice above it will make your job much much easier. If you follow these steps your organization will get to a poin...
	Use cloud computing to access more computing power and save money Cloud computing is clearly more than just a passing fad. With a growing range of business services and applications moving to the cloud, making the transition to cloud computing is becoming more of a ...
	How to approach data deletion in your records management policy The time to address your company’s data problem is now. Prepare, plan and act. The problem won’t go away - it will only get worse. By then it could be too late....
	Improve communication between your IT and Legal departments If left to their own devices, Legal and IT would speak different languages - if they spoke to each other at all. eDiscovery requires them to work together so learning to communicate more effectively i...
	How to stay safe and protect your computer from malware Malware is a very serious threat to anyone who uses the internet. Internet users today need to be aware of the dangers of malware infections in order to defend themselves adequately. By following the ...
	Hire a knowledgeable content developer for your business website Website development became a profession in the early 1990s, but everything has changed ten times over as Internet speed and availability have become global. Content is definitely King - but it is not ...

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