![\"Harold](\"https:\/\/fortmyersfloridainsuranceattorney.com\/wp-content\/uploads\/2020\/04\/Harold-Truppman.jpg\" "\\"\\"")
Hurricane Ian Florida Claims Attorney Harold Truppman. The Law Offices of Harold Truppman\u00a0have the knowledge and experience on how to partner with public insurance adjusters to help improve our clients\u2019 chances of getting a fair settlement. We\u2019ll combine our litigation and negotiation experience with their property inspection and analysis expertise to fight for the claim settlement you need to repair your home and get your life back to normal.<\/p>\n
If Hurricane Ian damaged your property, let our experienced Florida team get you the protection you deserve and the maximum settlement possible.<\/p>\n
My home was damaged by a hurricane. What is my first step? I have to pay a deductible if I file a claim with my insurance company. Why can\u2019t FEMA just help me? Will FEMA pay my insurance deductible? Should I make repairs to my damaged property or wait for the insurance adjuster? Who is responsible for clearing the debris from my property and is that covered under my policy? My home is uninhabitable. Will my insurance company pay for temporary housing? <\/p>\n 28 West Flagler Street, Suite 201,\u00a0Miami, Florida 33130 \u2013\u00a0(305) 374-7974<\/span><\/p>\n
\n<\/strong>Contact representatives of all carriers insuring your home and confirm in a letter to them.<\/p>\n
\n<\/strong>FEMA cannot give money for items that insurance covers, as this would be considered a duplication of benefits. However, FEMA may be able to help with uncompensated losses or unmet needs not covered by your insurance company.<\/p>\n![\"\"](\"https:\/\/fortmyersfloridainsuranceattorney.com\/wp-content\/uploads\/2022\/10\/Hurricane-Ian-Insurance-Damage-Claims-Attorney-Harold-Truppman.jpg\" "\\"\\"")
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\n<\/strong>No. FEMA does not cover insurance deductibles.<\/p>\n
\n<\/strong>You should make temporary repairs needed to prevent further damage only. The adjuster must see the damages to evaluate your loss. Take pictures of the damage and keep all of your receipts for materials used in emergency repairs. You should not dispose of any damaged property until the adjuster has completed his inspection.<\/p>\n
\n<\/strong>It is your responsibility to have debris removed, although the city or county may offer to clear your property as part of a coordinated debris removal program. Coverage for debris removal depends on your policy\u2019s specific wording.<\/p>\n
\n<\/strong>Homeowners\u2019 policies provide Additional Living Expense (\u201cALE\u201d)\/ Loss of Use (\u201cLOU\u201d) coverage that will pay extra expenses if damage to your home due to a loss by a covered peril prevents you from living there while it is being repaired. The items typically covered \u2013 above and beyond normal expenses \u2013 include extra costs for food, housing, transportation to and from work or school, relocation and storage, utility installation and furniture rental for a temporary residence. It does not cover your mortgage, groceries or utilities, since you normally pay for these expenses. This ALE\/ LOU coverage applies only to differences in expenses. For example, the coverage would apply to the cost of restaurant meals minus normal food expenses. Be sure to check your policy to find out what is specifically covered. Florida law does not require your insurance company to pay ALE\/ LOU up-front. For this reason, you must keep receipts for additional living expenses and submit these to your company for reimbursement. Unfortunately, some insurance companies seek to avoid paying ALE\/ LOU coverage by decreeing that your home is livable even if it doesn\u2019t have basic plumbing and electricity. If this happens, you should seek professional advice immediately. To reach our office, contact us by email or call 305-374-7974.<\/p>\nHarold B. Klite Truppman, P.A.<\/strong><\/span><\/h2>\n
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