Entries for 'fire damage'

Public Adjuster Helps Sort Out Ybor Fire Claim

Public Adjuster Helps Sort Out Ybor Fire Claim

A strip center in Tampa’s historic Ybor City caught fire destroying half of the building, a retail/manufacturing business and damaged the other section of the building rented to another tenant. The cause and origin of the fire was not suspicious, thus all the property owners needed to do was seemingly settle the claim with their insurance company. And here is where the trouble started.  


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Public Adjuster Restores Order after Tierra Verde House Fire Turns into a Property Claim Nightmare

Public Adjuster Restores Order after Tierra Verde House Fire Turns into a Property Claim Nightmare

On February 28, 2013 a massive fire broke-out in this upscale waterfront home located in Tierra Verde, Florida burning off the roof and causing significant fire, water, and smoke damage to the rest of the building structure, custom furniture, and personal belongings.  As is typical with all fires, which become public record when the fire department gets called, the homeowner was “assaulted” (his words) by emergency service restoration contractors and public adjuster chasers who came from all over the State of Florida to give their sales pitch.  Unfortunately, this property owner fell victim and signed with a restoration company who provided an estimate with a “not to exceed” agreement. But when the contractor sent the invoice for services performed, it was triple the amount!  The insurance company was just as surprised and refused to pay an obviously exorbitant amount. The contractor’s response was to place a lien on the property until the situation could be resolved.


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Patient Homeowner Gets Substantial Settlement by Choosing the Right Public Adjuster after Largo, FL Fire Loss

Patient Homeowner Gets Substantial Settlement by Choosing the Right Public Adjuster after Largo, FL Fire Loss

On May 11, 2014 a serious electrical fire broke-out in the home of a Clearwater Largo, FL family causing significant fire, water, and smoke damage to the building and personal property.  During and after the fire was extinguished many contractors and public adjuster chasers offering their services bombarded the homeowners with confusing information and high pressure sales tactics. Sadly, this is becoming a recurring theme when fires occur. We continue to believe that property owners need to realize that it is in their best interest to stay away from the majority of these solicitors until they have done their due diligence and have coordinated plan of action in place. They must also be wary not to sign any contract that assigns the entire insurance claim over to a stranger who now owns the proceeds of their claim. In our industry this language is called Assignment of Benefits.


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Public Adjuster Secures Immediate Payment for Tampa Fire Claim

Public Adjuster Secures Immediate Payment for Tampa Fire Claim

On September 8, 2013 a substantial fire broke-out at this upscale home located in the Greater Northdale area of Tampa causing significant fire, water, and smoke damage to the building structure, furniture, and personal belongings.  As the fire was going on and in the hours subsequent, the homeowner was bombarded by many contractors and public adjuster solicitors offering their insurance claim adjusting services to the property owner. Resisting the high pressure tactics of some, the owner keenly recognized that it was in his best interest to stay away from the majority of these people simply because he did not know who they were. He also knew not to sign anything until he had a chance to check references, do his research and think about it. 


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St. Petersburg Public Adjuster Helps Family Battle Citizens On Fire Claim – Wins Case

St. Petersburg Public Adjuster Helps Family Battle Citizens On Fire Claim – Wins Case

Background: 
On January 14, 2011 just after celebrating the Christmas holidays, a perilous fire erupted in St. Petersburg, FL causing massive damage throughout the Sheldon family home.  Lucky to have survived the fire, the husband and wife team and devoted parents quickly caught their breath and proceeded to make the best out of the situation assuming their insurance company would help them by responding the same.  They had no idea that this would turned into a 3 ½ year ordeal that would bring nothing but stress and heartache upon this strong family who lost everything.


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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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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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Tampa Public Adjuster Helps Save Christmas After Disastrous Fire Loss

Tampa Public Adjuster Helps Save Christmas After Disastrous Fire Loss

On November 29, 2013 a fire broke-out at this 2 story home located in Tampa, FL causing significant fire, water, and smoke damage to the structure and families personal belongings.  Immediately after the fire, many different types of vendors offering their services approached the property owner.  They included various Emergency Service Contractors and local Public Adjuster “chasers.”  At this most vulnerable time, the owners keenly recognized that it was in their best interest to stay away from the majority of these people simply because they did not know who they were and seemed like opportunists.  They knew not to sign contracts with any firm until they had a chance to think about it and check references. 


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Claims Adjuster Michael Platts Wraps-up Tampa Mini-mart Fire Loss for Full Policy Limits

Claims Adjuster Michael Platts Wraps-up Tampa Mini-mart Fire Loss for Full Policy Limits

Sagatom Business Inc. owns a mini-mart operating in Wimauma, FL along with other locations.  The owners were referred to public adjuster Michael Platts of Tutwiler & Associates to help with the insurance claim two days after a fire loss.


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Tutwiler & Associates Public Adjusters, Inc.
Licensed Public Insurance Adjusters & Loss Consultants
Offices: Tampa, Orlando, Palm City, Ft. Myers, Florida; Dallas, TX; Pittsburgh, PA

Executive Office
4300 W. Cypress St.
Suite 780
Tampa, FL 33607
Phone: 813.287.8090
Toll Free: 800.321.4488

Licensed in Florida # W840088 &
Texas #1399706 plus 16 other states
and the Virgin Islands