The complexities of a property insurance claim are many. This is even more true with the variables that exist in claims for country clubs and resorts. Owners and managers are not only tasked with navigating a building damage claim and policy coverage issues, but they also have the monumental task of addressing, assessing, and seeking compensation for damages to business personal property, maintenance equipment, golf carts, golf course and grounds, supplies, saleable goods Inventory, food & beverage stock, debris removal, and costs incurred for engineers, architects, and auditors. Moreover, owners will be tasked with addressing and projecting intangible damages for items like business interruption, extra expense, lost sales revenue, and lost membership dues. For business managers not familiar with the insurance claims process this is a daunting task that takes away large chunks of time from their primary responsibilities to efficiently operate the business.

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Hurricane Michael made landfall as a Category 5 Hurricane in the Florida Panhandle with maximum sustained wind speeds of 140 MPH. As evidenced above, the storm caused catastrophic damage from wind and storm surge. Our client contacted Tutwiler and Associates to assist with this nightmare and began working with licensed public adjuster, Michael Stabile. Using thermal imaging and moisture mapping, Mike was able to prove beyond a shadow of doubt that our client’s home had substantial hidden water damage behind the walls and subfloor. Mike was able to get over 6 times more than what the insurance company initially offered as “Final Payment”. The result was a full policy payout and Mike was even able to get the $5,000.00 deducible waved.

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