Help!!! I Have a Property Insurance Claim

About the Book

Every year millions of claims are filed by home/condo owners or tenants. All too often problems arise and payments are delayed. In frustration, policy holders have no idea how to resolve the impasse between themselves and their insurance company. In most cases this can be avoided if the adjustment procedures are understood.

What do the terms used by the adjuster mean?
Did my agent sell me the right policy?
What type of adjuster is handling my claim?
Does the adjuster have the authority to make a decision?
Is the insurance value of my home and contents correct?
How do I prove that I owned the items that were stolen?
Is there an appeal process when there are disputes?
Should I sign the documents my insurance sent me?
Is there a time limit for my insurance company to make a decision on my claim?
How can I resolve a color matching repair issue?
What issues should I expect following a hurricane or a major loss?

These and hundreds of other questions are answered in this book. If you have property insurance or an on going claim, this book is invaluable. By reading this book now, you will learn how to maximize your payment and have you claim settled quickly. This book explains your policy, and details how claims are investigated, quantified, negotiated and paid. It contains a glossary of insurance terms and lots of easy to follow examples.

About the Author

Karl Hechavarria spent twenty eight years in the claims department of three major United States, Canadian and English property and casualty insurance companies. He has the following designations: Associate in Claims Fellow, Chartered Insurance Professional Associate in Risk Management Certified Fraud Examiner Registered Professional Adjuster Accredited Claims Adjuster (Florida) Throughout the years he was a member of multiple provincial claims management associations including the Insurance Institute of Canada, the International Association of Arson Investigators, secretary of the Ontario chapter of the International Association of Special Investigative Units, past chairman of the Toronto chapter of IICAR Canada and secretary of the Canadian Automobile Research and Training Association. He sat on numerous advisory boards and committees dealing with various insurance issues including the Insurance Bureau of Canada, the Ontario Ministry of Transportation, the Insurance Crime Prevention Bureau and the Ontario Collision Reporting Centers. He has given various claims related seminars and written multiple in-house papers and programs dealing with catastrophe management and vendor selection process among others. He currently resides in Florida. He is married and has two sons, a daughter and two step daughters.