Tutwiler Success Stories

Another Sinkhole Denial – Another Policy Limits Settlement

Another Sinkhole Denial – Another Policy Limits Settlement

When this Spring Hill homeowner began noticing cracks around the pool deck and his floor tile buckled, he knew something bad was happening. Then, his suspicions were confirmed when testing identified sinkhole activity at his next-door neighbor’s house. He made a claim with his insurance company fully expecting to be treated fairly. Unfortunately, after testing his house, the insurance company denied his sinkhole claim citing a myriad of policy exclusions. At the recommendation of his neighbor, the homeowner contacted public adjuster Keith Grams of Tutwiler & Associates to represent him in his claim.


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Public Adjuster Settles Fire Loss For Premier Tampa Jazz Club

Public Adjuster Settles Fire Loss For Premier Tampa Jazz Club

After getting no response from their insurance company representative, the owners of Tampa’s most famous jazz club were referred to Tutwiler & Associates. Public adjuster Mike Platts handled the claim and after a thorough investigation he found that the carrier had improperly applied the mold limit to the contents.


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St. Petersburg House Fire Insurance Claim Paid with Help of Public Adjuster

St. Petersburg House Fire Insurance Claim Paid with Help of Public Adjuster

On July 6, 2011 an electrical fire broke out in a rental property located in St. Petersburg, Florida.  Major smoke damage ensued as well as water damage caused by the fire department extinguishing the fire.  Since the condition of the dwelling made it uninhabitable, the tenants were forced to move out causing the property owner to sustain additional losses in rental income.


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Upscale South Tampa Home Water Damage Claim

Upscale South Tampa Home Water Damage Claim

On January 8, 2011, a toilet supply line burst in an upscale two-story home causing significant damage to the bathroom, bathroom cabinetry, drywall, insulation, baseboards, doors, door frames, kitchen cabinets, and custom oak wood flooring located throughout the dwelling.


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Public Adjuster Increases Siesta Key Residential Fire Claim by $606,000

Public Adjuster Increases Siesta Key Residential Fire Claim by $606,000

In early 2011, a major electrical fire erupted in a Siesta Key residence causing significant damage throughout the insured’s winter vacation home.  Immediately following the loss, the homeowners reported the damage to their insurance company and an adjuster was assigned to handle the claim.  Two weeks later, the adjuster provided the homeowners with his repair estimate for the house damage and immediately issued a check the same day in the amount of $47,945.32.  Was this a fair insurance settlement offer?


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Power Surge Creates Business Interrruption Claim Mess

Power Surge Creates Business Interrruption Claim Mess

On July 15, 2011, a popular sports bar and restaurant located in Clearwater, FL suffered substantial losses as a result of damage caused by a utility electric power surge.  The powerful surge damaged kitchen equipment, air conditioning units, numerous high definition televisions, speaker systems, neon lights located throughout the restaurant, the “Open” sign in the front window as well as the businesses illuminated signage located on the shopping plaza directory.

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Thorough Claims Documentation Helps Online Retailer Win Court Battle

Thorough Claims Documentation Helps Online Retailer Win Court Battle

In July of 2009, Matrix Inc. an online sporting goods retailer and located in Safety Harbor, FL experienced a devastating fire in their main warehouse destroying the majority of their inventory. Tutwiler & Associates was hired with Michael Platts as the lead public adjuster assisted by Mr. Rick Tutwiler due to the size and complexity of the loss. The Tutwiler team realized the need to expedite the claim in order to get the client back into business.


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Thorough Investigation Helps Commercial Tornado Victim Properly Repair Tenants Property

Thorough Investigation Helps Commercial Tornado Victim Properly Repair Tenants Property

Tornadoes wreaked havoc through the Tampa Bay area on March 31, 2011.  Among those affected was a prominent St. Petersburg shopping center that had a portion of its roof torn off creating leaks throughout the building. A large retailer who was the anchor store, as well as three other businesses suffered damage.  The property owner promptly reported the claim to his property insurance carrier located in Jacksonville, Florida.  In turn the carrier sent out a local independent adjuster who wrote an estimate to repair the northwest corner of the roof plus some interior damage.  In this instance the building owner had a large windstorm deductible and the local independent adjuster’s estimate came in at a lower amount than the deductible. While the property carrier acknowledged coverage, they sent a courtesy letter to the owner stating that no payments could be made because it was under the windstorm deductible.  Meanwhile, the owner called in a general contractor whose initial estimate was far in excess of the deductible.


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Keith Grams Helps to Obtain $27K For Water Damage in Contractor Negligence Claim

Keith Grams Helps to Obtain $27K For Water Damage in Contractor Negligence Claim

This Cape Coral homeowner hired a roofing contractor to install a new roof during a remodeling project.  The roofing contractor removed the old roof without properly covering the openings in the roof. After an afternoon rain shower the following day the homeowner discovered water damage in multiple rooms of the house.


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Public Adjuster Keith Grams Attains 69% More for Nakomis Fire Insurance Claim!

Public Adjuster Keith Grams Attains 69% More for Nakomis Fire Insurance Claim!

Fire caused extensive damage to this Nakomis, Fl home’s interior.  After filing their claim, the insurance company did an inspection and presented the homeowner a settlement estimate for slightly more than $100,000.00.


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