40 Years of Contributing to the Public Adjusting Profession

40 Years of Contributing to the Public Adjusting Profession
It's been quite the whirlwind at Tutwiler & Associates! This year we are celebrating our 40th Year Anniversary of putting policyholders first. This week, the Emeritus and Founder paid a visit to our office, sharing insights from his career in the professional public adjusting industry and invaluable insider knowledge acquired during his tenure at a major Insurance Company. From what I've gathered, the video company is doing a news piece diving deep into unraveling the complexities of insurance schemes in Florida along with the internal methods used in the claims settlement process between insurance companies and their policyholders.
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The Undeniable Value of Hiring a Licensed Professional Public Insurance Adjuster for Commercial Claims

The Undeniable Value of Hiring a Licensed Professional Public Insurance Adjuster for Commercial Claims
When disaster strikes, such as the devastating impact of Hurricane Irma, businesses are often left grappling with significant damage including property, inventory, and business interruption. For many, these damages can lead to crippling financial burdens, especially if they are not properly compensated by their insurance providers. In such situations, the role of a licensed professional public insurance adjuster can be pivotal. 
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Hurricane Ian One Year Later: Policyholders Await Justice Amidst a Storm of Bureaucracy

Hurricane Ian One Year Later: Policyholders Await Justice Amidst a Storm of Bureaucracy
It's been a year since Hurricane Ian unleashed its fury on Florida, battering both coastlines and wreaking havoc on agricultural and urban areas in between.  An event that should have subsided in its aftermath has instead metamorphosed into a year-long saga of pain, resistance, and a battle for policyholder insurance claim justice as countless victims remain ensnared in an unnatural whirlwind: the struggle for fair compensation and treatment in the claim adjustment process.  
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Understanding EML and PML: The Dilemma Facing Policyholders in Property Insurance

Understanding EML and PML: The Dilemma Facing Policyholders in Property Insurance
Insurance is a cornerstone of risk management, especially when it comes to safeguarding valuable assets like property. However, the concepts of Estimated Maximum Loss (EML) and Probable/Possible Maximum Loss (PML) have been causing ripples of discontent among policyholders. Let's delve into what these terms mean and why they are becoming a concern, especially for commercial clients such as hotels and apartment complexes. 
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Expert Insights: Public Adjuster Reveals Key Flood Claim Strategies & Hurricane Idalia Updates for Policyholders

Expert Insights: Public Adjuster Reveals Key Flood Claim Strategies & Hurricane Idalia Updates for Policyholders

Since Hurricane Idalia impacted Florida’s west coast, our public adjusters have been besieged with questions about flood claims. I also noticed from initial state claims data that many claims are being closed without payment. This may be due to policyholders not understanding what is covered under their homeowner's policy vs. their flood policy, if they have one. We are receiving concerning feedback from policyholders who are feeling frustrated in the initial stages of the claims process, especially from the moment they report their first notice of loss.  


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Hurricane Idalia Flood Claims – Now Comes Proof of Loss with NFIP Flood Policies

Hurricane Idalia Flood Claims – Now Comes Proof of Loss with NFIP Flood Policies
Policyholders who were impacted by Hurricane Idalia flooding will soon be faced with fully complying with the terms and conditions of their flood policies.  One of those tasks is the filing a Proof of Loss (POL), which to the layman can be as complex as building a house with no construction experience.  Not surprisingly, our Florida public adjusters are already fielding calls with questions from confused policyholders.
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Public Adjuster Tips for Handling Your Hurricane Idalia Flood Insurance Claim

Public Adjuster Tips for Handling Your Hurricane Idalia Flood Insurance Claim
We’ve revived a very popular blog for the benefit of Hurricane Idalia property owners on understanding flood where our talented staff of public adjusters share some of the best tips they could think of for handling a flood claim. The following are some tips that hopefully will help folks should they have flood coverage. Remember flood insurance is a separate policy from your standard homeowners insurance and covered under the National Flood Insurance Program (NFIP). Private insurers also sell under this program. A standard homeowners policy “will not” cover flood defined as rising water. Standard policies will cover wind driven rain or any moisture coming from above such as roof leaks.
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Hurricane Idalia Power Outage Insurance Claims - What You Need to Know

Hurricane Idalia Power Outage Insurance Claims - What You Need to Know
Power outages will be an unavoidable reality for policyholders who are impacted by Hurricane Idalia. While some outages last only a few minutes, others can stretch on for days, causing considerable inconvenience and financial loss. From spoiled food in the refrigerator to potential business losses, the aftermath can be burdensome. This brings up an essential question: Does your insurance policy cover losses stemming from a power outage? Here's what you need to know about power outage insurance claims
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Public Adjuster Tips to Protect Your Hurricane Idalia Flood Insurance Claim

Public Adjuster Tips to Protect Your Hurricane Idalia Flood Insurance Claim

Based on current forecasts, it appears Hurricane Idalia will create significant flooding from Sarasota to St. Petersburg and especially into Tampa Bay the likes that this Florida public adjuster has not seen. Storm surge coinciding with a full moon and high tides may produce some surprises and property owners should prepare for the worst. In addition, embedded tornadoes and significant wind gusts are always in the mix. The time to prepare is now. And should you experience damage, you want to do everything you can to protect your property insurance claim. Experiencing a flood in your home or business can be distressing, and the aftermath can often be overwhelming. One of the critical steps post-flood is to document the damage for insurance claims accurately. Proper documentation not only helps in maximizing your claim benefits but also ensures a smoother claims process. Here are the best tips to help you document and prepare a flood insurance claim effectively.


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The Florida Insurance Crisis and Hurricane Ian – This isn't Getting Better

The Florida Insurance Crisis and Hurricane Ian – This isn't Getting Better
Last year, we saw one of the most destructive storms in the history of the state with Hurricane Ian. This year, we are witnessing just how severe the lack of oversight is, in regard to regulating property insurance carriers’ financial integrity as well as making them accountable for their claims handling schemes. If the regulators pursued carrier misbehavior with as much vigor as they do policing attorneys, public adjusters and contractors, we might see a better environment for Florida policyholders
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"On Property" Insurance Claim Tips Blog

Tips and advice about how to properly file and protect your property damage insurance claim and get a fair settlement. We invite all readers to ask questions about their claim so our public adjusters can post answers for others to benefit. Insurance claim expert guest bloggers welcome to submit posts via our contact form.

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Local Office

Tutwiler & Associates Public Adjusters, Inc.
Licensed Public Insurance Adjusters & Loss Consultants
Offices: Tampa, Orlando, Palm City, Ft. Myers, Florida; Dallas, TX; Pittsburgh, PA

Executive Office
4300 W. Cypress St.
Suite 780
Tampa, FL 33607
Phone: 813.287.8090
Toll Free: 800.321.4488

Licensed in Florida # W840088 &
Texas #1399706 plus 16 other states
and the Virgin Islands