During a heavy overnight rainstorm in June 2020 a large amount of water gathered on the rear portion of a commercial structure in Tampa, FL.  Due to the extreme weight of the water the rear portion of the roof failed causing a severe collapse.  This created an opening in the structure which allowed large amounts of water to enter the building.  Structural damage was present along with damages to the entire roof system, interior walls, flooring, and finishes.  Additionally, a large amount of business personal property had sustained damage.  Recognizing the severity of the damage and potential claim issues the client retained, Public Adjuster Scott Luginski.  Scott wasted no time to review the policy, assess and discuss coverage with the carrier and quickly obtain a six-figure advance payment for the policyholder.  Scott was then able to manage the entire claim (allowing the policyholder to resume daily business activities), meet with the insurance company personnel numerous times (including adjusters, consultants and experts) and pinpoint all damages to provide an accurate scope of work necessary to return the structure to pre-loss conditions.  Ultimately, Scott was able to obtain a settlement exceeding $420,000.

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Florida is the poster child for winter vacation homes with many homeowners splitting their time between their northern and southern home. But that means a home may be left unattended for 6 months or more. In this claim, the homeowners split their time between New York and Boynton Beach, Florida. They initiated a homeowner’s claim in late July 2017 after receiving notice from a neighbor that water had been pouring out of their house due to a failed refrigerator supply line.  Several days after filing the claim they contacted Tutwiler & Associates for assistance as they were unfamiliar with the property insurance claim process, were worried about receiving a fair settlement and were unable to stay in Florida for the entirety of the claim. 

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After receiving a low initial offer from their insurance company for a water damage claim resulting from a leaking shower pan on the 2^nd floor, these Lithia, Fl homeowners decided to see if a public insurance adjuster could help them with their insurance claim. They contacted Tampa Public Adjuster, Scott Luginski and indicated they were unfamiliar with the claim process and simply did not have the time or knowledge to deal with the frustration of an insurance claim and negotiating a better settlement.  

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