On Property Insurance Claim Tips Blog

Posts by Charles R. Tutwiler

Citizens Insurance putting limits on water losses

Citizens Insurance putting limits on water losses

Citizens has changed the coverage in their policies for non-weather water losses. Now the limit is $10,000 unless you use one of their managed repair companies. Unfortunately, AOB abuse and the resulting spike in litigation have prompted these restrictions further putting the insured at risk and lessening the value of their coverage. Keep in mind that there will still be older policies out there that have not changed based on renewal dates. But going forward be aware of this limit for water losses with Citizens.

Also note that Citizens aggressively pursues questionable water losses. If you are a policyholder, make sure your claim is legit and don’t be pushed into a claim by an overly aggressive restoration company or public adjuster.

https://www.citizensfla.com/documents/20702/10091213/20190612+08B+SIU+Cases+of+Interest.pdf/dfac956d-e86f-4fd0-92d6-96081d69ed2f

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AOB (Assignment of Benefits) abuse, is it over? Best read the new law to find out.

AOB (Assignment of Benefits) abuse, is it over?  Best read the new law to find out.

Make no mistake about it, the assignment of benefits controversy as evidenced by its reported abuse in the property insurance arena in the last decade has to have been one of the top scams I have witnessed in my 46-year career. And to top it off, it was all legal, albeit I would guess at times a bitter pill to swallow for some of those engaged in the activity, but what the heck, it was clearly profitable.

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Tutwiler represents major retailers after Westshore fire and smoke damage

Tutwiler represents major retailers after Westshore fire and smoke damage

Proud to be representing retailer insurance claims at Westshore Plaza after fire forces evacuation. Trying to get things settled without further complications.  https://www.wfla.com/news/hillsborough-county/escalator-fire-forces-evacuations-at-westshore-plaza/1966197558

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Policyholder Asks Public Adjuster to Take a Closer Look at Their Pittsburgh Water Damage Claim

Policyholder Asks Public Adjuster to Take a Closer Look at Their Pittsburgh Water Damage Claim

Our public adjuster offices settle many claims each month. Here is one written up by our Pittsburgh Public Adjuster, Mr. Zach Flora. It’s a good lesson about digging into the details and taking charge of your claim. On August 25th a Pittsburgh family of 3 were away enjoying a fun filled family vacation when they received a call from a neighbor that quickly turned their sunshine to clouds. The neighbor called with the horrible news that their garage door was mysteriously open and water was pouring out onto the driveway. 

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Dealing with Mold Damage Insurance Claims after Hurricane Michael

Dealing with Mold Damage Insurance Claims after Hurricane Michael

Policyholders who experienced any type of water intrusion from Hurricane Michael may experience mold infiltration. When claims are delayed and repairs put on hold, it can become a real problem because mold can grow unseen for months and create a serious health hazard. Coming to an agreement with your insurance company on how to deal with mold can create major disagreements due to the fact that certain “fixes” can be expensive. So make sure you understand all your options.

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A Recap of the 20th Windstorm Insurance Network Conference

A Recap of the 20th Windstorm Insurance Network Conference

The 2019 Windstorm Conference held at the Walt Disney Dolphin Resort hotel was a new milestone on several fronts. This year was the 20th anniversary of an organization that was founded based on the realization that claims professionals from all different professional disciplines can meet, exchange and debate ideas, and help to formulate best practices to help insured policyholders struggling to recover from catastrophic events. 

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Winter Has Arrived – Deep Freeze and Broken Pipe Bursts Will Reach into the Deep South

Winter Has Arrived – Deep Freeze and Broken Pipe Bursts Will Reach into the Deep South

A historic deep freeze is gripping the US with sub-zero temperatures and even more serious wind chill factors. With it will come unprecedented frozen pipe bursts, iced dams and roof collapses that will cause extensive property damage and loss to personal property or business inventory.  As for homeowners, if you discover a leak, turn your water off, call in a reputable plumber, inform your insurance company of the damage and get their agreement to fix and pay for the damage before hiring a reputable clean-up company.    

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Hurricane Michael Damage and the Building Moratorium

Hurricane Michael Damage and the Building Moratorium

As Hurricane Michael damage recovery moves into the new year, we continue get deluged with property insurance claim questions from frustrated policyholders. Right now, we seem to be at the stage where policyholders have received settlement offers they feel are too low to fix their damage or where property owners feel their insurance company is not being responsive. This is especially true with commercial claims and the business community in the Panhandle as evidence in this article Local Businesses Say Insurance is Taking Too Long on Claims. Now there’s a good way to kill off the small business community!

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Tis the Season for Giving

Tis the Season for Giving

Happy New Year to all our readers! Before the holiday season gets past us, I want to commend Florida Public Adjuster, Michael Platts who embodies the spirit of holiday giving. For several years, Mike has donated to Metropolitan Ministries in Tampa. This year, after being alerted that the they were in need of gifts for young teens, Mike donated 30+ mixed media art supply sets and made some kids and their family’s holiday. Giving back has always been a hallmark if Mike’s personality. Thank you Mike!  

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