On October 25, 2021, at their Annual Convention, Francis (Frank) Altieri became Secretary of the Florida Association of Public Insurance Adjusters (FAPIA).

Voted by his colleagues at the statewide association meeting to ascend to the Officers Ladder from his position on the Board of Directors, Frank will now represent FAPIA in the coming year as its Secretary.

Frank has been a Florida State Licensed Public Insurance Adjuster since 2008 and is also a multi-state licensed Public Insurance Adjuster, representing policyholders on their property insurance claims throughout the United States. Frank has been a member of FAPIA since he was first licensed and follows in his father, Raymond Altieri Jr’s footsteps, who was the Founding President of the organization in 1993.

Altieri Insurance Consultants is honored to have Frank Altieri join the board of FAPIA (Florida Association of Public Insurance Adjusters). FAPIA has been at the forefront of shaping policy and legislation throughout the State of Florida for over 25 years. Its mission is to ensure fair claims practices for policyholders and promote education and training for Public Adjusters. Our CEO, Raymond Altieri Jr., was the founding President of FAPIA and was President of the National Association of Public Insurance Adjusters (NAPIA) from 2011 to 2012.

Altieri Insurance Consultants proudly supports both FAPIA and NAPIA’s mission to protect policyholders, while promoting the professional conduct of public adjusters throughout the United States.

FAPIA MISSION STATEMENT

To organize the Public Insurance Adjusters of the State of Florida to better serve the interests of the insured citizenry of the State and to help facilitate the expeditious and proper handling of insurance losses and claims. 

To unite the Public Insurance Adjusters of the State of Florida for their mutual benefit, education and protection, as well as to protect and benefit the general public. 

To establish and maintain high standards of professional conduct and efficiency among its members, and to study and assist in carrying out the provisions of all laws and regulations pertaining to Public Insurance Adjusters that may be enacted or formulated by the U.S. Government or by the Florida Legislature and Insurance Department of the State of Florida. 

To advance and protect the interests of its members, to promote their welfare, and to attain a spirit of helpful assistance and cooperation among its members. To become a source of consultation regarding industry issues for the Florida Department of Insurance.

Learn more about Frank Altieri

Learn more about FAPIA

If a hurricane has been named and comes through your area it is always good to check everything even if it does not seem your home has been affected.  A large proportion of homeowners do not regularly check the roof of their property. Neither do they check it themselves, nor do they have it checked by a specialist. But this can end badly and be expensive, and not just in the event of storm damage.  What should be a matter of course after a named storm or maybe even a hailstorm, namely checking the roof, can also preventively protect against damage to the roof or the substance of the house. 

Major weak points

When inspecting the roof, the first thing to do is understand the weak points the roof itself may have. A distinction must be made between flat and pitched roofs:

In the case of a flat roof, the roof cladding consists of bitumen sheets welded together. A roof inspection must therefore look for cracks, including hairline cracks or holes. Equally important is examining the connection points between the individual bitumen sheets and the connections to the chimney, ventilation pipes, or drains. The connecting rain gutters must also be checked so that the rainwater does not remain on the roof but is reliably drained away.

With the classic pitched roof, the most significant weak point is in the roof tiles themselves. It must be checked whether the roof tiles are still firmly in place or whether they are damaged. Furthermore, the gutters must be checked for functionality. They must not be clogged or dented. As with the flat roof, care must be taken to ensure that connection points such as chimneys and ventilation pipes are intact. Another central weak point in a pitched roof is the surrounds of skylights. They should also be checked regularly. The photovoltaic system must also be considered during the roof inspection.

If you check your roof regularly, you can usually save yourself significant (consequential) damage and thus a lot of money. For the layman, damage to the roof is not always apparent, so it may be advisable to consult a professional.

Strong winds not only cause roof damage but also tear shutters out of their guide rails and push windows in. Falling trees are also a great danger to people and buildings. They take with them whatever is in their way: Gutters, downspouts, scaffolding, canopies, carports, and fencing. The roots of falling trees can also damage pipes and ducts and pathways, patios, and exterior stairs.

While visible damage can be quickly repaired, some homeowners have not yet discovered other problems, such as a tree that the storm has loosened but still appears to be standing intact. It may fall over sometime in the next few months, causing damage. That’s why owners should be sure to check their homes and property for storm damage! But then it will be difficult to claim the damage from the insurance company.

If you call your insurance company to be sure to contact Altieri Insurance Consultants as we are on the Policy Holder’s side to make sure you are represented by professionals.

Storm damage caused to the Roof and similar areas – Be sure to go through the list!

It’s that time of year all Floridians and others along the Gulf and Atlantic coasts know well- Hurricane Season is upon us. The 2021 names are now announced, and so far we’ve already seen Ana come and go. Ana appeared as an early, pre-season storm in May. This is yet another early season storm for another year in a row- and it’s making many meteorologists and climate watchers consider moving up the start of hurricane season to around May 15- instead of the standard start on June 1.



The World Meteorological Organization chooses hurricane names years in advance. The names get recycled, unless they are “retired” due to a strong storm, large loss of life, or large cost for damages. If all 21 names are used this year, there is a new “supplemental” list of 21 names that will be used after Wanda- rather than the previously used Greek alphabet following the names. Federal forecasters are predicting an ‘above-average’ season- with as many as 20 named storms this season. An average season has 14 named storms, 7 of which are hurricanes. Tropical Storm Ana formed and dissipated quickly, never even threatening land. Next up is Bill- followed by the rest of the list.
    
    Here are the remaining names in the 2021 list:

•        Bill
•        Claudette
•        Danny
•        Elsa
•        Fred
•        Grace
•        Henri
•        Ida
•        Julian
•        Kate
•        Larry
•        Mindy
•        Nicholas
•        Odette
•        Peter
•        Rose
•        Sam
•        Teresa
•        Victor
•        Wanda

    If we make it all the way to Wanda before the end of the season, there are more names that will be used after Wanda and the list will start over. Here are the list of supplemental names:

•        Adria
•        Braylen
•        Caridad
•        Deshawn
•        Emery
•        Foster
•        Gemma
•        Heath
•        Isla
•        Jacobus
•        Kenzie
•        Lucio
•        Makayla
•        Nolan
•        Orlanda
•        Pax
•        Ronin
•        Sophie
•        Tayshaun
•        Viviana
•        Will

    In previous years, the Greek alphabet was used after all the hurricane names were exhausted. But after 2020’s season left us with many Greek names and some even retired- the system was exhausted and now a new list of names will follow the initial ones. This will allow for plenty of names should there be more than 21 storms this season. 

According to USA Today, Before they started naming storms, hurricane forecasters had to refer to storms by saying something like, “the storm 500 miles east-southeast of Miami.” But six hours later, the storm’s position would change. Also, when more than one storm was going on at the same time, making it clear which storm was being described made the job even harder.

In 1953, the U.S. began using female names for hurricanes and, by 1979, male and female names were used. The names alternate between male and female.  The names are alphabetical and each new storm gets the next name on the list. There is no Q, U, X, Y or Z names because of the lack of usable names that begin with those letters.  There is a separate list of tropical storms and hurricanes that form in the eastern Pacific Ocean
In addition, there are also separate lists for typhoons in the western Pacific and tropical cyclones in Australia and the Indian Ocean. 

Water spouts can be scary- for many, they’re essentially water-based tornadoes. If you live close to the water- it’s important to pay attention to water spouts and any damage they may cause to
your home. Water spouts are not seawater swept up into a spiral. They are a rotating column of air similar to a small tornado. They can form on any major body of water like a lake or ocean. If
you live near a lake or ocean- you are at risk for an encounter with a water spout if you live close to shore.

So the question is- do water spouts cause damage? The answer is a bit complicated. The main cause for damage would be for boats if you have a boat.
Keep your boat secure and covered if you can.

If you live along the beach- you’re susceptible to damage. Secure your property- and if you’re laying out on the beach- watch for the rotation. The closer the spout comes to you- the higher
chance for damage. The further they get on land- the less damage they cause because they quickly dissipate.

If you find yourself out on the boat and in the path of a water spout- don’t panic. According to NOAA- the best course of action when in the path of a waterspout is to move at a 90-degree
angle to its apparent movement. Never move closer to the waterspout to investigate it. Some of them are so dangerous- they’re similar to hurricanes in terms of impact.

Water spouts can form even in fair weather. These normally move very little so they won’t cause too much damage. If a waterspout from a thunderstorm does move onshore- a tornado warning
is issued. They form in very warm water- so if you’re out on the beach and the water is warm- keep an eye out once storms roll in. You’re more likely to see a water spout that way.
Water spouts can be slow-moving. Once they hit land- they can pack a punch. Keep objects like patio furniture and other items secure in case of winds. Get inside if you’re out and see one
approaching land. Make sure you have good home insurance or auto insurance in case of damage from the wind or flying debris.

Check your coverage for your home, condo, condo association, and more by contacting Altieri Insurance Consultants.   If any damage occurs be sure to reach out as well, you want a
professional insurance adjuster on your side!

Water spouts often don’t seem dangerous- but they can be. They pack a punch even when they’re briefly on land. They can have speeds upwards of 80 miles per hour at full strength. If
you are in the water and see one- move at an angle away from it. Don’t panic. They’re nowhere near as dangerous as hurricanes- but they should still be taken seriously.

Since water spouts prompt a tornado warning- it’s best to prepare as if it’s a mild tornado like an EF 0 or EF 1. Get into an interior room with no windows and wait for the all-clear from
your local weather service or meteorologist. Just because you’re on the beach or near one doesn’t mean you’re protected. If you’re on the beach laying in the sand- get to a structured
building as quickly as you can. If you’re on your boat- try your best to get as below deck as you can- or try and protect yourself until it passes.

Water spouts can be dangerous and cause damage- but they’re nowhere near hurricane strength. They move at around 50-75 mph across the water and once they’re on land they do not
last long. It’s best to get far away from them and secure belongings- to avoid any major damage to your home, car, or your stuff. If the winds from the water spout impact trees near you- make
sure they’re trimmed so the debris doesn’t cause more of a hazard.