Tutwiler Success Stories

Entries for March 2014

Tampa Public Adjuster Facilitates Win Win on Rental Home Fire Claim

Tampa Public Adjuster Facilitates Win Win on Rental Home Fire Claim

On December 29, 2013 this rental home in Tampa, Fl. caught fire due to a cooking accident caused by the owner’s tenant.  Sadly, the tenant had no renters insurance and they lost everything. In this particular case, the owner was savvy enough not to make any quick decisions and hired a contractor to specifically board-up and secure the property as required by the insurance policy.  He then patiently waited for his insurance company claims adjuster to provide a repair estimate.  After waiting and waiting the owner quickly realized he was not getting anywhere fast.  He then decided to search for help and for some reason remembered the words “Public Adjuster”.  Soon thereafter, public adjuster Rick Tutwiler was called in to assist.


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Public Adjuster Assists Condominium Board Negotiate Fire Claim and Assignment of Benefits Issue

Public Adjuster Assists Condominium Board Negotiate Fire Claim and Assignment of Benefits Issue

On December 1, 2012 something caught fire on the back balcony of this two story condominium complex located on Treasure Island, FL. resulting in fire, water, and smoke damage to the property. Immediately after the fire, the Condominium Board decided to hire a contractor to repair the damage.  Normally, this is the typical procedure many COA’s take. However, in this claim, there were many others issues complicating the loss, which the contractor could not legally address.  Specifically, there were many insurance claim adjusting issues with respect to the extent of the fire and smoke damage in addition to Law & Ordinance & Code Upgrade requirements the were being enforced by the county building department.  Pursuant to the Florida SB408 (Chapter 2011-39) there are provisions that strictly prohibits contractors from adjusting insurance claims unless the contractor also holds a public adjuster license. However, the new law also prevents contractors holding a public adjuster license from doing any type of reconstruction, repair, or restoration of damaged property on the same loss, since it would represents a clear conflict of interest. 


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Windemere Florida Public Adjuster Negotiates Fair Settlement to Water Damaged Custom Home

Windemere Florida Public Adjuster Negotiates Fair Settlement to Water Damaged Custom Home

On September 5, 2013 a water supply line burst in this upscale custom home in Windemere, FL causing significant damage to the master wing section.  During inspection, it was noted that the wood flooring was continual throughout the entire home. Replacing the floor would require extensive demolition as custom stonework, cabinetry, a fire place, and custom bar had all been built on top of the wood flooring. 


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Good Preparation Helps Apartment Recover Insurance Claim for Fire, Water, Smoke Damage & Business Interruption

Good Preparation Helps Apartment Recover Insurance Claim for Fire, Water, Smoke Damage & Business Interruption

On May 24, 2013 a large fire erupted at this multi-story commercial apartment building in Indian Rocks Beach, Florida resulting in significant damage from the fire, smoke, and water damage to their personal business property as well as loss of rental income.  Upon learning of the extensive damages incurred and the complexity of the claim, the owner realized he needed professional adjusting help and contacted Tutwiler & Associates to discuss their insurance claim.  Public adjuster Rick Tutwiler was hired soon after to manage the claim.  Following multiple inspections and documentation of all aspects of the loss, Mr. Tutwiler prepared the claim detail for the building, personal property, and loss of rents.  Getting a public adjuster involved early paid off and avoided many of the mistakes policyholders make when trying to handle the claim themselves. As a result of the claim preparation, the carrier made payments, which totaled $279,239.


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