Joseph Armato: Helping Families in Need is a Bright Light in Insurance Claims

Accidents can bring some of the worst kinds of misfortunes to homes and businesses. Depending on the severity of an accident many things may be lost. Unfortunately, some individuals lose their homes, lives or even become disabled in some way from accidents.

In the insurance business, there are ways to ensure the victims of accidents will have compensation for their insurance coverage. Usually when there are losses in an accident they usually involve the number of vehicles that were involved.  But the worst loss of possessions would be a home, whether by flood or damaged by fire. The damage from a fire can severely cause financial strain for a family because they need to build from the bottom up.

What can give them a sense of tranquility is a good insurance policy that covers them for fire. The process of claiming through an insurance company does take some time to do. Various procedures are put into effect when a home is burned down. The insurance companies want to make sure that their policy will cover the home in question. In certain situations, there will be conditions that will limit or exclude certain types of compensation for a burned down home.

The insurance company will usually send a representative to assess the damages of the home. At that point, there will be necessary documentation that needs to be retrieved from public records. Police reports are also necessary to ensure the accuracy of any witnesses. Another process that needs to be put into effect is the insurance company evaluation board putting through an investigation. In some cases, insurance companies may only compensate so much.

Public adjusters are professionals that can help claim the maximum coverage. Joseph Armato used to help around 40 households a year for fire losses. It was his job to make sure the family in need got back on their feet.