Public Adjuster Articles and Presentations

Self Insurance Trust Schemes

As a result of the "insurance crisis" in Florida...

Law & Ordinance Coverage - Illusionary?

Insurance, what you do not know or understand can and will cause you great financial harm should the winds of fate blow against you...

Eight Tips for Making the Claim Process Easier

1. Know Your Policy

2. File Claims as Soon as Possible

3. Provide Complete, Correct Information...


Property Insurance And The Real Estate Meltdown

The current financial crisis and meltdown in real estate has affected Florida in an unprecedented way. Not since the late 1920's great Florida land bust have we seen...

Personal Responsibility And Your Future Financial Security Notwithstanding Insurance

Our exposure to financial risks and ruin in today's society has changed, driven in part by large natural disasters and in other ways by...

Blazing New Trails

Where would we be if there were no individuals willing to begin something? Willing to blaze trails, or to be vulnerable for the sake of progress? Well, I don't know about you, but...

Insurers Grumble Over States Moldy Homes

Florida's four-hurricane season exposed a looming threat to the states property insurance industry, according to industry leaders gathered for the annual conference of the Windstorm Insurance Network. Now they just have to agree which threat is...

Florida Condominiums - Catastrophic Adjusting Made Complicated by Ever-changing Rules

Given the popularity of condominium ownership, one would assume the lure and seductive attraction is the promise (or illusion) of hassle-free ownership of this type of real estate.  This may in part be validated by the unit owner paying their monthly maintenance fee and the occasional special assessment for repair and upkeep, thus avoiding the hands on involvement of owning single-family detached housing.

Notes From the WIND President Dick Tutwiler

Summer in Florida heralds the end of one high season and the beginning of another. With summer now upon us, most of our winter residents and spring breakers have headed...

Let's End The Game of Condo Loss Adjusting

On a good day most I think would agree the work of an insurance adjuster is difficult with challenges that are many and varied. Given the nature of the beast, the adjusting process for the most part can be described as...

Do You Need Your Own Claims Adjuster?

Angry that your insurance company is not moving as fast with that claim check as you would like? Or maybe the adjuster's offer is less than...

Public Adjuster Dick Tutwiler - Profiles In Prominence

Dick Tutwiler was featured by his Alma matter, Marshall University in a book Profiles in Prominence.

The Days After Disaster

No matter what the catastrophic event, the time immediately following it will be bad. Imagine how much worse it would be if you did not have a...

Valuing Mold Claims

Originally presented at the American Conference Institute – Toxic Mold Litigation Conference, this paper discusses the public insurance adjuster’s role and perspective on valuing mold claims and the how this type of claim has become of such concern.

When Insurance Won't Pay

When the firetrucks arrived, Howard Green of Valparaiso, Ind., was atop his house with a garden hose, trying to keep the roof from igniting. He had accidentally set the chimney on fire while attempting to remove a beehive, and the second floor was in flames. The next day, Green says, his State Farm insurance agent delivered a $5000 check. Green and his wife began to inventory the debris – 40 bags of "smelly, smoke-laden stuff" and burnt mattresses. Seven months after the September 1997 fire, the bags were still in the garage and the Greens were still sleeping in the dining room. While State Farm had paid $75,000 for structural damage, it still hadn't paid the $70,000 claim to replace the destroyed contents...
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