Steps in insurance claims settlements

The first step is making sure you have the insurance coverage for the type of loss has occurred.  For instance a Flood Insurance Policy is underwritten by FEMA – United States Government backed and covers only damage from rising water, not damage caused by other means such as damage occurring as a result of a roof being torn off a structure from a hurricane or windstorm.  Insurance claims for flood damage can only be filed against a flood policy and flood policies have different conditions of coverage.

A homeoweners policy normally does not cover losses from flooding.  It covers losses from other causes such as fire, theft and windstorm, and in Florida windstorm has to be listed as a “covered loss.”

IF YOU ARE NOT SURE OF WHAT TO DO AFTER A LOSS YOU SHOULD SEEK THE ADVICE OF AN EXPERIENCED INSURANCE PROFESSIONAL SUCH AS THIS FIRM OWNED AND OFERATED BY ANDREW ALLOCCO. P.E..  Andrew Allocco, P.E. files insurance claims with insurance companies on the client’s behalf.

So, once you are sure of your policy coverage, you file an insurance claim and supply necessary documents.  This is best done by your insurance adjuster who has the knowledge and experience to settle insurance claims for you.

The term “your insurance adjuster” means just that.  Someone who you hire to work for you to handle your insurance claims thereby obtaining a dollar settlement that is acceptable to you and covers enough money to effect the actual repair and/or replacement of the damage.

Andrew Allocco, PE has extensive experience in the South Florida Area.