On Property Insurance Claim Tips Blog

Nashville Tornado Roof Damage? Make Sure They Get on the Roof

Nashville Tornado Roof Damage? Make Sure They Get on the Roof

With the extensive wind and damage caused by the Nashville tornadoes, we are seeing policyholders rushing to get damages assessed. Both insurance company adjusters and many inexperienced contractors are eyeballing roof damage and recommending partial repairs based on simple visual inspection. This is going to cause terrible problems in the future as flying debris can damage the membrane of roofs and set people up for severe water damage in the future. In disaster situations some adjusters simply do not spend enough time assessing policyholder’s damage or taking into effect the increased cost of materials and repairs.

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Coronavirus (COVID-19) - Will You Have a Business Interruption Insurance Claim?

Coronavirus (COVID-19) - Will You Have a Business Interruption Insurance Claim?

All of us at Tutwiler & Associates trust you and your families are staying well and safe in the midst of this dreadful Covid-19 (Coronavirus) pandemic. While our firm is doing our part to be “socially responsible” and keep our communities safe, many of our firm’s expert adjusters are actively working hard from the confines of their homes as we continue to field client inquiries and offer professional insurance claim assistance, guidance, and support. A few clients have called and emailed to inquire if there is an option for them to file an insurance claim including Business Interruption. Understandably, many business owners are just now combing through their insurance policies as they continue to look for ways to offset business income and financial losses.

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Beware Rising Tornado Construction Costs

Beware Rising Tornado Construction Costs

Many folks throughout the State of Tennessee are still dealing with the devastating effects of the recent tornado and hail damage.  They will soon learn that that the amount(s) offered and paid by their respective insurance companies are not sufficient to pay for their complete loss and damage repairs. Specifically, as the demand for qualified construction workers, roofers, and building materials increase so do the associated costs.  This “supply and demand effect” will undoubtedly continue to impact those who sustained tornado/hail damage in a negative way for some time.

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Hiring a Tennessee Licensed Public Insurance Adjuster to Assist with your Tornado Claim

Hiring a Tennessee Licensed Public Insurance Adjuster to Assist with your Tornado Claim

The tornado in Nashville has caused major destruction and significantly impacted business & residential property owners. Our teams are actively engaged with property & business owners, working to help aid in the recovery claims process and are here to help you realize a fair settlement under your policy to help you recover and get your business and life back on its feet. Whenever major storm events like this occur a common question we get from callers is to explain what a Public Adjuster does and why they should hire one. Many callers have never had to deal with a property claim before and frankly have not heard of Public Adjusters. To avoid having our readers searching the web for these answers and hopefully the hype, I’ve placed the information we try to relay below.

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Hurricane Dorian in the Bahamas – An unprecedented storm, logistical nightmare, and the long road to recovery

Hurricane Dorian in the Bahamas – An unprecedented storm, logistical nightmare, and the long road to recovery

Thank you to Public Adjuster Mike Stabile for contributing this update on Hurricane Dorian recovery. It’s been over 3 months since Hurricane Dorian made its unprecedented and devastating landfall in the Bahamas catastrophically damaging Great Abaco, its barrier islands and Grand Bahama. The reports from our Public Insurance Adjusters who have visited the area multiple times is that damage recovery is challenged and moving slowly. Property damage aside, many have lost their lives. In speaking with the residents, the current “official death toll” is nowhere near what they believe the actual number will be, which could be in the thousands. Our thoughts are with the families still searching for their loved ones.

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Policyholder Question – Is a Vacation Home Entitled to Additional Living Expenses (ALE)?

Policyholder Question – Is a Vacation Home Entitled to Additional Living Expenses (ALE)?

Q. If the home is a vacation home that is destroyed, are we entitled to ALE? The ALE coverage on the loss statement they sent us says zero but we are going to have to incur multiple airline trips and rental bills in order to set up demolition and then the complete rebuilding of our home. Hope you can help with this information.

A. Thank you for the question and just so you know this is a frequent problem for owners of second homes when there is a loss they must attend to. 

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Florida Chief Financial Officer comments that Public Adjusters at fault for Hurricane Michael claim settlement delays. But not so fast.

Florida Chief Financial Officer comments that Public Adjusters at fault for Hurricane Michael claim settlement delays. But not so fast.

Not surprisingly, CFO Jimmy Patronis’s statement to the press has caused a lot of interest especially from the media, some of whom were in attendance when his comments were made. Following both print and internet articles of the CFO’s opinion, I have gotten a number of calls from various media folks across the state asking me to respond. As I explained to one reporter, I do not know where the CFO got his facts to support this pronouncement. But given the gravity of his words, I think he should have enlightened folks with some credible facts and figures. The comments I have read and heard is that the press and the public is not buying what he had to say including the reporters I spoke with who share my confusion about where the data (or anecdotal evidence) is coming from.

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Hurricane Dorian and The Bahamas – The Time for Giving is Now

Hurricane Dorian and The Bahamas – The Time for Giving is Now

The unimaginable destruction of property and loss of life on Grand Bahama Island and the Marsh Harbor community is heart- wrenching to say the least. I have seen a lot of the destruction and the human misery that follows in the aftermath of hurricanes and other disasters in my 45-year career as an insurance professional and public adjuster, but the videos and now live reporting coming out of the Bahamas is simply unprecedented.

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Bahama Relief Efforts Underway – Donations Needed

Bahama Relief Efforts Underway – Donations Needed

As reports and video of the Hurricane Dorian devastation come in, the devastation and human tragedy is mind numbing. Our thoughts and prayers are with all those in the Bahamas and with those who will be part of the relief efforts. We expect the impacted areas to be unsafe for Public Adjusters and other professionals for some time. For those who are so inclined, I wanted to share a very good Hurricane Dorian Donation article from The Identity on reputable organizations that will be at the forefront of the relief effort and also a list of supplies needed. In the meantime, we will do what we can to answer policyholder insurance claim questions regarding Hurricane Dorian damage and steps they should be taking. I challenge everyone, especially those in the insurance claims industry to find a way to donate to the Bahama’s relief effort.

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Hurricane Dorian Should be a Wake-up Call to All

Hurricane Dorian Should be a Wake-up Call to All

Our hearts and prayers go out to all those impacted by Hurricane Dorian. Preliminary reports indicate 13,000 structures destroyed and $25 billion in damage, not to mention the catastrophic flooding. As I’ve listened to all the anxious questions from callers concerned about Dorian and conferred with our Florida Public Adjuster professionals, one common theme prevailed.

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