On Property Insurance Claim Tips Blog

Posts by Charles R. Tutwiler

Hurricane Michael Policyholders Begin to Learn How Law & Ordinance Coverage Will Impact Their Insurance Claim

Hurricane Michael Policyholders Begin to Learn How Law & Ordinance Coverage Will Impact Their Insurance Claim

A lot of properties that experienced Hurricane Michael losses are starting to have Law & Ordinance issues. Law & Ordinance kicks in when the Florida and local building code requirements impact what will be required in order to obtain a CO (Certificate of Occupancy) in order to reoccupy the damaged structure. It is a separate coverage in your policy that you must elect and covers some of the cost of required code upgrades. If your property (be it commercial or residential) suffers a loss where the cost of repairs is greater than 50% of the pre-loss value of the real property, your repairs must incorporate current building code upgrades.

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More Insurance Claim Challenges for Hurricane Michael Condominium Owners

More Insurance Claim Challenges for Hurricane Michael Condominium Owners

This is about the time in the insurance claims settlement cycle that we start getting calls from property owners living in condos, who are looking for help following property damage to their building that impacted their unit. This often takes the form of damage to the unit owner’s property, including their personal property as well as items such as carpet, other types of floor covering, trim items such as door frames, baseboards, cabinets and the list goes on depending on the type and severity of the damage and the wording in their condominium documents. When a covered casualty event occurs, whether it is from wind, water, fire, or the dreaded “mold” word, the finger pointing starts and in many cases the unit owner is caught in the middle.

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Windstorm Insurance Network Contributes to Hurricane Michael Relief

Windstorm Insurance Network Contributes to Hurricane Michael Relief

The Windstorm Insurance Network (WIND), an association that brings together both insurance defense and policyholder advocate professionals to connect, learn, and engage on important topics in the property/windstorm insurance claims industry, once again stepped up to assist with Hurricane Michael relief efforts. Below is the information related to the donation as posted by WIND. I’m proud of public adjuster and WIND President-elect Rick Tutwiler’s involvement and continue to be proud of the efforts put forth by all the officers and staff of this excellent organization who will hold its 20th Annual Conference January 30 – Feb 2 in Orlando.

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Enhanced conditions for electrical fires in the aftermath of Hurricane Michael

Enhanced conditions for electrical fires in the aftermath of Hurricane Michael

The effects of Hurricane Michaels wind and rain damage are still readily apparent in the Panama City area. Roofing crews and blue tarps are still visible wherever you travel. But what may not be so obvious, are storm related damages that may have resulted to electrical and mechanical systems in your home or business. From my perspective, too many policyholders blindly follow a contractors or even their insurance company’s desire to “fix up” the damage and move on to the next claim, putting themselves and their property in danger.

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Will Hurricane Michael Insurance Claim Repair Estimates Cover Your Losses?

Will Hurricane Michael Insurance Claim Repair Estimates Cover Your Losses?

As policyholders begin to hear back from their insurance company regarding their Hurricane Michael insurance claim, many will learn that the amount offered by their respective insurer is not sufficient to pay for their complete loss and damages. Some may even learn part of their claim is denied. This is common when there is widespread damage to a geographic area and especially true with more complicated commercial claims to businesses, condominiums and hotels where methods to fix or replace damage can become complicated. There can be many reasons for this including overworked adjusters not documenting specific damages, out of state adjusters not familiar with the market or inside claim adjusters who have never personally seen the claim simply denying certain parts of the claim. 

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Hurricane Michael Insurance Claim Settlement Checks – Check the Details and Watch What You Sign

Hurricane Michael Insurance Claim Settlement Checks – Check the Details and Watch What You Sign

Your property or business suffered damage during Hurricane Michael. You promptly filed a claim or had a public insurance adjuster document and file the claim for you. A check from the insurance company appears in the mail. Great! How easy could it be? But wait, there’s a catch…..on the back of your check there is language that states you are releasing the insurance company from any further costs related to the claim.

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Hurricane Michael’s Insurance Policyholder Deductible Surprise

Hurricane Michael’s Insurance Policyholder Deductible Surprise

By now folks in Panama City and surrounding areas hit by Hurricane Michael, are finding out how little they are going to get paid for their insurance claim damages. Our office continues to receive calls and emails from policyholders seeking help and answers about their property insurance losses. Predictably, a lot of the frustration from policyholders is about the fact that their claim file was closed without payment due to a subjective opinion by adjusters the insurance companies.

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How to Deal with Hurricane Michael Low Insurance Claim Settlement Offers

How to Deal with Hurricane Michael Low Insurance Claim Settlement Offers

If the feedback we are getting on the ground in Panama City and the inquiries coming into our offices are any guide, policyholders are none too happy with the settlement offers they are receiving for their Hurricane Michael property damage claims. Most often we are told the offer does not remotely cover the cost of repairs based on estimates local contractors are providing.

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Additional Living Expenses Explained for Hurricane Michael Storm Damage Policyholders

Additional Living Expenses Explained for Hurricane Michael Storm Damage Policyholders

If your Florida home was severely damaged by Hurricane Michael to the extent that it is uninhabitable to live in, most insurance policies provide a coverage called “Additional Living Expense” or “A.L.E.” if it is a covered loss. Under the Additional Living Expense coverage, you and your family may be entitled to rent another home of the same size, like kind and quality as well as be reimbursed for any extra expenses you incur such as food and temporary lodging.

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Public Adjuster Offers Hurricane Michael Insurance Claim Tips

Public Adjuster Offers Hurricane Michael Insurance Claim Tips

Hurricane Michael has left thousands of residential and commercial property owners with insurance claims – a process they’ve never had to deal with before. Thanks to our senior public adjuster, Kevin Leisure for participating in a recent WFLA TV interview to discuss what people need to know about the property insurance claims process and what mistakes policyholders need to avoid making. Bottom line, property owners need to be patient but persistent with regards to their insurance claim and educate themselves. Our firm has already set-up an office in the Panama City area and we expect this will be a long process of recovery. Our adjusters are dedicated to educating policyholders and getting them the settlement they deserve in order to rebuild. See our Hurricane Michael insurance claims page for additional information. 

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