There are losses, and there are large losses. In Tampa, a large-loss claim is one that is worth upwards of $100,000 or more. That’s a lot of damage, and you need to be sure if your insurer is taking all of it into account. This guide covers what you need to know about large-loss claims in Tampa so you can get what you are owed.
Altieri Insurance Consultants Tampa is here to help get your life back with an accomplished team of highly capable, expert adjusters who will complete accurate large-loss assessments and submit claim presentations to your insurer making sure they are fully aware of all damage sustained by your property. We’re the partner property owners rely on.
Prepare to Play the Long Game
After a major disaster event, it takes insurers a long time to sort through a large influx of losses. That is commonplace. So, how do you play the long game and get ahead of what is expected to be a lengthier process?
Working without professional assistance, large-loss claims in Tampa have been known to last for months or years to settle. Engaging your own adjuster to represent you, a professional public adjuster, is the key to advancing your claim forward, while others linger.
Insurance companies usually justify the time it takes them by promising extreme care and diligence when handling a large-loss claim. While this can be true at times, it’s also important to stay vigilant and not got strung along where you lose the leverage of time you may have in the negotiation. Hiring a public adjuster in Tampa could help speed things along while ensuring that your insurer is making ample progress without delay.
You Could Be Dealing With Multiple Claim Types
As we mentioned earlier, there could be multiple things wrong with your property after suffering such a big loss. Many large-loss claims in Tampa typically involve:
- Water damage
- Mold damage
- Flood damage
- Fire damage
- Structural damage
- Roof damage
- Refuted mitigation costs
- Loss of interior climate control
What could cause such a catastrophe on your property? In Florida, the answer is often a natural disaster like hurricanes, storms, and tornadoes.
Read more > How Do Insurance Companies Assess Claims In High-Risk Areas?
| Do you own a commercial property? Don’t forget to factor in business interruption losses! |
Large Losses In Tampa Might Involve Multiple Insurers
Most commercial and coastal properties in Florida are insured by carriers who will only offer certain types of coverage and who do not report to our Department of Financial Services (DFS). Many times, these types of policies include multiple insurance companies insuring one property. It is enough to deal with a difficult insurance company adjuster on your claim, but it is an even worse experience when these insurers send out multiple adjusters with differing opinions. Don’t let your claim get caught in between internal insurer arguments. When dealing with multiple insurers, you will especially need to hire a public adjuster in Tampa to manage communications with them all and to drive a consistent message of the cause and extent of your damage.
You Need a Special Public Adjuster For Large-Loss Claims
Not all public adjusters have the expertise to handle large-loss claims. With everything involved in such a high-intensity and high-stakes process, you need the reassurance of a top level public adjuster with an extensive history of successful claim settlements and dealing with multiple claim types. Longevity, credibility, reputation, and manpower are all factors you must understand when choosing a large-loss professional to represent you.
Learn more > What Should I Look For In A Successful Loss Adjuster?
Trust Your Large-Loss Claim to the Experts at Altieri Insurance Consultants Tampa!
When you need a large-loss claims expert in Tampa, Altieri Insurance Consultants Tampa is the team that you can count on. We have the skill, talent, and know-how to manage big cases like these with incredible efficiency and the utmost professionalism. Call (813) 247-4757 today!
