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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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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Florida’s Property Insurance Policyholder – Still in Crisis

Florida’s Property Insurance Policyholder – Still in Crisis

With yet another Special Session beginning this week and a new legislative session beginning in March, Florida Legislators will soon be faced with some unexpected consequences, from new changes to the state’s insurance laws, that were passed by the Florida Legislature in May and December along with other pro-insurance reforms. There’s also, more work that needs to be done.


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Tampa public adjuster weighs-in on property insurance special session

Tampa public adjuster weighs-in on property insurance special session

Insurance Reform Special Session Updates
Public adjuster talks property insurance special session (baynews9.com)
Lawmakers to tackle Florida's property insurance crisis (baynews9.com)

As legislators attempt to reform and bailout the Florida property insurance market, ask yourself this:
Is the policyholder, property owner being put first?


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Insurance Carriers Create Policyholder Recovery Issues with Poor Claims Practices

Let’s hope the FL legislators take a hard look at the sloppy claims practices and delay tactics that are hindering Hurricane Ian recovery during the special session on insurance reform next week. Insurance carriers and their claims departments should be put under the same scrutiny as Public Adjusters and Attorneys. Maybe if the carriers start getting fined they will treat their policyholders more fairly rather than trying to save a buck. Unfortunately, this is not an isolated case based on our experience. https://www.abcactionnews.com/news/state/hurricane-ian-victims-struggling-with-insurance-claim-payouts-seek-help-from-public-adjusters


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In the Wake of Hurricane Ian, Florida’s Public Servants Need to be Claim Smart and Shift Focus to Florida Policyholders

In the Wake of Hurricane Ian, Florida’s Public Servants Need to be Claim Smart and Shift Focus to Florida Policyholders

Hurricane Ian is going to be a long hard insurance claim tragedy for Florida homeowners and businesses alike given the state of the insurance industry. Here’s what’s next for policyholder insurance claims, the adjustment process, and how industry consultants can help bring everyone together.   


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Florida Property Insurance Reform – Who is This Session For?

Florida Property Insurance Reform – Who is This Session For?

While it’s troubling to watch FL residents suffer soaring rate increases, I’m still hoping some meaningful legislation will be passed that will “immediately” impact rates and help property holders. The frustrating part is the partisan politicians who turn a blind eye when good amendments are put forward that could easily provide some rate relief. Just watch the consumer-friendly amendments laid out by Senator Gary Farmer who very eloquently explains the insurance shell game.  

Start at 1:57:30 - https://thefloridachannel.org/videos/5-24-22-senate-session-part-1/


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Florida Legislators Must Be Mindful Fixing the Homeowners’ Insurance Crisis - Don't Throw the Baby Out with the Bathwater

Florida Legislators Must Be Mindful Fixing the Homeowners’ Insurance Crisis - Don't Throw the Baby Out with the Bathwater

Every year, the insurance lobby tells us insurance companies are losing money, yet lawmakers pass laws and reforms stripping consumers' rights, permitting insurers to delay legitimate claims, and implementing preferred contractor network repair programs that enrich contractors working for insurance companies, rather than insurers indemnifying homeowners for their claims. Additionally, there has not been any real and demonstrative evidence lawmakers can show to support how laws and reforms enacted last year have been protective. All things considered; I am not seeing any financial relief forthcoming for homeowners, especially given the many proposed expansions to the upcoming special legislative session. 


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The 2021 Florida Legislature Deja Vu, Insurance Reform Proposal- House Bill 305

The 2021 Florida Legislature Deja Vu, Insurance Reform Proposal- House Bill 305

So let me see if I have this right. Of course, I have this right! Déjà vu all over again. Within House Bill 305 there is language that not only treads on but stomps on the rights of two business entities which by the way are both licensed and pay fees to two branches of the Florida state government in order to conduct legal and necessary business. Why else would they be issued a license and required to mail fees to Tallahassee if they were not legal and necessary?


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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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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