On Property Insurance Claim Tips Blog

 
     

Fire Claim Settled for 200% Above Initial Insurance Company Offer

Fire Claim Settled for 200% Above Initial Insurance Company Offer
This was a great day for this highly decorated Vietnam War Veteran and his wonderful wife. A recipient of a Purple Heart and 2 Bronze Stars with Valor, this couple tragically lost their home to fire 9-months ago. After receiving insufficient offers to settle their claim and months of delay, we were finally able to negotiate a 200% increase over and above the insurance company's initial offer. And to think that the insurance company adjuster discouraged them from hiring a public adjuster! Read More

Sarasota Condo Board Experiences Runaround Before Public Adjuster Helps Negotiate Fair Settlement

Sarasota Condo Board Experiences Runaround Before Public Adjuster Helps Negotiate Fair Settlement
The public insurance adjusters at Tutwiler & Associates work extremely hard to prove why our industry profession is so valuable to policyholders. We work with potential clients and share our knowledge to guide them in their property insurance claim decision making. We strive to educate policyholders after a serious loss when they are the most vulnerable.  Case in point involves a massive electrical fire that occurred at a Sarasota condominium last August.Read More

Public Adjuster’s Coordinated Efforts Increase Commercial Fire Insurance Claim Settlement by 650%

Public Adjuster’s Coordinated Efforts Increase Commercial Fire Insurance Claim Settlement by 650%
Periodically, we like to highlight a property claim we’ve handled based on something new we’ve learned, alert readers of important insurance claim issues or just to show the value public adjusters can bring to the claims process. This was a particularly satisfying claim. Not only for the settlement amount we were able to achieve but because it helped improve the client’s perception of the value of public adjusters as you will see by the note at the end of this article.Read More

A Simple Fire Claim? …Not!

A Simple Fire Claim? …Not!
A strip center in Tampa’s historic Ybor City caught fire destroying half of the building, a retail/manufacturing business and damaged the other section of the building rented to another tenant. The cause and origin of the fire was not suspicious, thus all the property owners needed to do was seemingly settle the claim with their insurance company. And here is where the trouble started.  Read More

Avoid a Fire Insurance Claim this Holiday Season

Avoid a Fire Insurance Claim this Holiday Season

We want to thank public adjuster Mike Stabile for crafting this holiday blog. The joyful sounds of the season can be heard all around, the halls have been meticulously decked, we're searching for the perfect gifts to fill the stockings and pile under our beautiful trees as we prepare to open our homes to love and laughter with our family and friends this holiday season. 

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Surplus Lines Insurance Claims - Your Coverage May be an Illusion

Surplus Lines Insurance Claims - Your Coverage May be an Illusion

A few years ago I was invited to speak at a conference of insurance professionals in Rhode Island.  My topic was surplus lines insurance which at that time was a very hot topic, at least in Florida as there was a pending Florida Supreme Court case that had it turned out different, could have changed the surplus market insurance scheme in a big way.  As it turned out due to the Court’s ruling, the surplus lines carriers preserved their unique market position and the world in this insurance community did not stop or even wobble. Having been retained recently on a couple of large commercial fire losses and getting reacquainted with some of the nuances of surplus lines, I thought now would be a good time to revisit this unique line of coverage with a couple of case studies that hopefully will shed light on some of the practical problems for policyholders if they happen to be insured by a surplus lines carrier.

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Public Adjuster Restores Order after Tierra Verde House Fire Turns into a Property Claim Nightmare

Public Adjuster Restores Order after Tierra Verde House Fire Turns into a Property Claim Nightmare
On February 28, 2013 a massive fire broke-out in this upscale waterfront home located in Tierra Verde, Florida burning off the roof and causing significant fire, water, and smoke damage to the rest of the building structure, custom furniture, and personal belongings.  As is typical with all fires, which become public record when the fire department gets called, the homeowner was “assaulted” (his words) by emergency service restoration contractors and public adjuster chasers who came from all over the State of Florida to give their sales pitch.  Unfortunately, this property owner fell victim and signed with a restoration company who provided an estimate with a “not to exceed” agreement. But when the contractor sent the invoice for services performed, it was triple the amount!  The insurance company was just as surprised and refused to pay an obviously exorbitant amount. The contractor’s response was to place a lien on the property until the situation could be resolved.Read More

Choosing the Right Public Adjuster Can Make a Difference in Your Claim Settlement

We recently handled a property claim involving a serious electrical fire in the home of a Clearwater Largo, FL family that caused significant fire, water, and smoke damage to the building and personal property. After being hired, the homeowner told us of a situation that is sadly becoming a recurring theme when fires occur. What we are referring to are the restoration contractors and public adjuster chasers who offer their services by bombarding the homeowners with confusing information and high pressure sales tactics.Read More

Statistics Show Fires Peak during Holiday Season

Year after year, statistics indicate that fires peak between Thanksgiving and Christmas. As the chart below shows tree fires are a big contributor. As public adjusters, we see firsthand how a house fire and the ensuing insurance claim can ruin a holiday well past the New Year! We urge everyone to pay extra attention in the kitchen, around fires and with holiday decorations. Double check your smoke detectors and take special care this year while you enjoy the holidays.

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Fire Insurance Claims and Contents Inventory – Be Prepared

Tutwiler & Associates Public Adjusters was retained this week following a devastating fire that occurred in Pinellas County, Florida.  The fire hit so close my home that I found myself scrambling to check all the smoke detectors in my house.  Fortunately, everyone in this home survived without injury, but the fire was so bad that it completely destroyed everything inside the home well beyond recognition.  Even worse, the property owner a brilliant young engineer did not have an inventory of his clothing, casual clothes, household furniture, tools in the garage, or expensive electronic items just to name a few.  Everything was literally burned to ashes!

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