On Property Insurance Claim Tips Blog

What happens to your Hurricane Sally insurance claim once the adjuster leaves

What happens to your Hurricane Sally insurance claim once the adjuster leaves

Many people might be surprised that having an adjuster look at your claim is only the beginning of the insurance claim process. Remember, the field adjuster that inspected your property may not be an employee of the insurance company. They are typically independent adjusters on contract and typically are paid a set fee or percentage for each claim they handle. This is especially true during disaster situations Like Hurricane Sally when there are so many claims to adjust. Typically, there is a shortage of qualified adjusters and they are hard pressed to get to as many claims as possible. You should ask them what firm they are with when they come to inspect your property and note how thorough they are recording your damage and if they are “listening” to you. 

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How Policyholders Can Benefit from Hiring a Public Adjuster for Their Hurricane Sally Property Insurance Claim

How Policyholders Can Benefit from Hiring a Public Adjuster for Their Hurricane Sally Property Insurance Claim

Based on the volume of phone calls coming into our offices from Pensacola and surrounding counties, Florida Panhandle business and homeowners are quickly turning their attention to recovering from Hurricane Sally. With the one two punch of widespread flooding and property damage from CAT 2 winds, property owners unfamiliar with the process will be filing an insurance claim for the first time and possibly seeking assistance and advice for their property insurance damage claim. One of the most common questions we receive when calls come into our offices revolves around the benefits of hiring a Public Insurance Adjuster. It still amazes us that so many policyholders have not heard of our profession or understand what Public Adjusters do. So, in an attempt to educate and not blow our own horn, I’ll try to answer that question in hopes of giving readers a basic understanding of what Public Adjusters do and the critical role they can play in the insurance claims process.

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Hurricane Sally Insurance Claims – Some Commonsense Advice from an Experienced Insurance Adjuster

Hurricane Sally Insurance Claims – Some Commonsense Advice from an Experienced Insurance Adjuster

Many business owners and homeowners who experienced damage from Hurricane Sally, are just now being allowed back into areas that were deemed too dangerous to enter. Our thoughts are with all businesses and families affected by Hurricane Sally and the brave first responders risking their safety to assist others. Based on damage reports and our own public adjuster staff who are monitoring the situation, the combination of wind, water and flood damage will create some complicated insurance claim disputes. And if property damage wasn’t enough, the long-term loss of power has added misery to the mix. To deal with these perils, it behooves property owners to keep their eye on the ball or in this case the money. High percentage hurricane deductibles are likely to be applied and many folks may be surprised that despite their wind or hurricane coverage, they may be out of pocket for mitigation and replacement costs due to lack of flood coverage or exclusions for water - sewer back-up.

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Florida Public Insurance Adjuster Tips for Handling Your Hurricane Sally Flood Insurance Claim

Florida Public Insurance Adjuster Tips for Handling Your Hurricane Sally Flood Insurance Claim

As the catastrophic flooding from Hurricane Sally unfolds, thousands of businesses and homeowners who never considered the possibility of dealing with flood damage will be investigating the claim process. We will be sending a team of adjusters to the Pensacola area when authorities say it is safe to enter. So in order to offer assistance to our readers, I asked my talented staff of public adjusters to share some of the best tips they could think of for handling a flood claim. The following are some claim tips that hopefully will help folks should they have flood coverage or windstorm damage.

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Hurricane Sally Flood Victims Need to Understand the Nuances of Flood Insurance Claims

Hurricane Sally Flood Victims Need to Understand the Nuances of Flood Insurance Claims

Many policyholders impacted by Hurricane Sally will be dealing with flood related issues for the first time. For those who have flood insurance, we encourage you to review and pay close attention to your flood policy’s terms and conditions. The policies issued by the National Flood Insurance Program (NFIP) are unique because they fall under a Federal Government program with its own rules and regulations. Keep in mind that many private insurance companies resell and administer the NFIP policies.  So, make sure you confirm if your flood policy falls under this program.

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Hurricane Sally Insurance Claims - Mistakes Property Owners Should Avoid

Hurricane Sally Insurance Claims - Mistakes Property Owners Should Avoid

The slow-moving Hurricane Sally has caused a combination of wind, water, roof and flood damage that will surely complicate the insurance claims process. As homeowners are allowed to return and begin the clean-up and recovery process, many residential and commercial policyholders will submit an insurance claim for storm damage to their property. The Public Adjusters at Tutwiler & Associates urge policyholders to take the proper steps to stay safe, protect their property insurance claim and avoid settlement problems with the following tips.
 
1. Notify your insurance carrier of your damage as soon as possible to expedite your claim. Do not go back into your home or mitigate damage until you know it’s safe to do so. If returning to your home after a power outage, do not turn on the power right away, especially if your home has been flooded. Have an electrician check the dwelling first to ensure it is safe.

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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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The Hurricane Dorian Dilemma

The Hurricane Dorian Dilemma

Historically, Labor Day storms have not been kind to Florida and Hurricane Dorian has proven to be no exception.  Although Dorian’s final trajectory and impact on Florida remains uncertain, many State agencies, aerospace companies, businesses and thousands of residents have spent millions of dollars bracing for Dorian and its potential for an unprecedented impact. Our public adjuster staff is not sure if we will be heading into a Cat 5 disaster area to help with insurance claims or fielding calls from minor damage.   

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