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The public adjusters at Tutwiler & Associates can work as your trusted consultant to give you advice, share our experience and help you make decisions that are in the best interest of your institution. Knowing the credible resources that are available to help you as well the protocols and right questions to ask, will help you explore all contingencies. For example: often a third party may have caused a loss and thus you will have the ability to make a claim with that company or person’s insurance company.
Risk manager are a very good resource at the time of your loss. They usually have placed the insurance and thus know what policies are in place and the coverage amounts. Risk managers from our experience may try and help with a claim but for the most part do not typically function or are trained as an adjuster. Someone still needs to provide the input and craft a scope of the loss document along with a cost estimate of the damages, making sure all of it fits into the coverage the risk manager has put in place.
A flood loss where most of the books and papers in a library were damaged. The solution was to freeze dry all of the items.