The Undeniable Value of Hiring a Licensed Professional Public Insurance Adjuster for Commercial Claims

The Undeniable Value of Hiring a Licensed Professional Public Insurance Adjuster for Commercial Claims
When disaster strikes, such as the devastating impact of Hurricane Irma, businesses are often left grappling with significant damage including property, inventory, and business interruption. For many, these damages can lead to crippling financial burdens, especially if they are not properly compensated by their insurance providers. In such situations, the role of a licensed professional public insurance adjuster can be pivotal. 
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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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Hurricane Ian Homeowners No Match for Unethical Claim Practices. Public Adjuster Attains 1,101% New Money Settlement Hours Before Hiring Attorney

Hurricane Ian Homeowners No Match for Unethical Claim Practices. Public Adjuster Attains 1,101% New Money Settlement Hours Before Hiring Attorney

As numerous clients are in various stages of repairs their Hurricane Ian damaged properties, we would like to share one success story that underscores the invaluable role experienced public adjusters can play contributing to the stability of Florida's challenging insurance market. First, let’s look at an example of what has brought policyholders, claim professionals, state officials, and insurance executives to this point of frustration.


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Hurricane Nicole Will Complicate the Insurance Claim Environment

Hurricane Nicole Will Complicate the Insurance Claim Environment
As we continue to closely monitor Nicole, we wanted to provide you with a few updates.  As Florida learns 2022 midterm election results, undecided is how Nicole will impact insurance companies and how they treat policyholders. We are seeing a steady stream of denied and marginalized claim payouts keeping Ian victims from a fair claim recovery. Here’s what Nicole victims should expect looking beyond the center of the track:
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Hurricane Ian Update From a Public Adjuster’s Perspective

Hurricane Ian Update From a Public Adjuster’s Perspective
Here is what we are seeing and advice on how property owners can handle and avoid potential problems with their flood and wind insurance claims.  As tremendous losses continue to mount, many recovering from Hurricane Ian are realizing their insurance companies are not paying policy limits for flood and wind claims, as reported by the Cape Coral Breeze in an article on October 14, 2022. Officials told a crowd of several dozen to stay persistent in working with National Flood insurance companies on getting reimbursement and compensation for work to repair homes, while other owners we have spoken to have already received denial letters. 
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Public Adjusters are Part of the Solution to Hurricane Ian Recovery

Public Adjusters are Part of the Solution to Hurricane Ian Recovery
A recent open letter from the National Association of Public Insurance Adjusters (NAPIA) stated: "Public insurance adjusters are experts in the claims adjustment process and are, along with attorneys, the only “licensed” profession that can help consumers by preparing, filing, and adjusting insurance claims. It is important to note that policyholders have the right to hire their own adjuster to assist them with the preparation of their claim.” In Florida, there are currently over 2,700 licensed and bonded Public Adjusters listed on the Department of Financial Services license search website. Not only are public adjusters already highly regulated by the state, but the national (NAPIA) and state (FAPIA) industry associations impose a high ethical standard on members. During Hurricane Michael and other storms, public adjusters were there to help policyholders when their insurance companies did not have the resources to respond in a timely manner. 
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Florida Public Adjuster Wins Policy Limits in Settling Builders Risk Claim for Multi-unit Fire - Delivers Quality Service and Peace of Mind

Florida Public Adjuster Wins Policy Limits in Settling Builders Risk Claim for Multi-unit Fire - Delivers Quality Service and Peace of Mind

ISV, LLC is a prominent property development company based in Windermere, Florida with a 9-year growing real estate portfolio.  Sadly, ISV’s owner learned that two of his residential multi-family dwelling structures in Sanford, Florida suffered extensive fire damage on May 11, 2021. Following a cause and origin investigation, fire officials were unable to determine the area of origin.  Despite ISV’s timely claim reporting and C&O Report submission, the claim adjuster assigned by ISV’s insurance company notified the claim was still being investigated by the carrier, informing: “the process could very well take several months to finalize.”


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Windstorm Insurance Network 2022 Conference Recap

Windstorm Insurance Network 2022 Conference Recap

WIND held its annual 2022 conference at the Lowes Royal Pacific Resort at Universal Orlando at the end of January.  I have to say that I was a little hesitant attending this conference as it is a multi-day event held in a venue which is a closed environment inside of a very large resort. Based on past year’s attendance I would have expected well over 1000 insurance professionals, experts and vendors showing up to network, learn best practices and refresh their knowledge. To my surprise despite the virus threat, over 1000 people did in fact register and that didn’t include late walk ins, who decided they did not want to be behind the learning curve.  For me, besides seeing old friends and meeting new people from various disciplines, the highlight of the conference was the keynote speaker presentation.


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Public Adjuster Negotiates a $3 Million+ Settlement for Country Club Resort Insurance Claim After Insurer Offers $0.00

Public Adjuster Negotiates a $3 Million+ Settlement for Country Club Resort Insurance Claim After Insurer Offers $0.00

The complexities of a property insurance claim are many. This is even more true with the variables that exist in claims for country clubs and resorts. Owners and managers are not only tasked with navigating a building damage claim and policy coverage issues, but they also have the monumental task of addressing, assessing, and seeking compensation for damages to business personal property, maintenance equipment, golf carts, golf course and grounds, supplies, saleable goods Inventory, food & beverage stock, debris removal, and costs incurred for engineers, architects, and auditors. Moreover, owners will be tasked with addressing and projecting intangible damages for items like business interruption, extra expense, lost sales revenue, and lost membership dues. For business managers not familiar with the insurance claims process this is a daunting task that takes away large chunks of time from their primary responsibilities to efficiently operate the business. Learn how Public Adjuster Mike Stabile put his expertise to work for this client and acheived a fair claim settlement. 


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Pittsburgh Claim Adjuster’s Technology and Perseverance Wins the Day in Settling an Apartment Fire Insurance Claim

Pittsburgh Claim Adjuster’s Technology and Perseverance Wins the Day in Settling an Apartment Fire Insurance Claim

Here’s an enlightening insurance claim success story from our valued Pittsburgh Adjuster, Mr. Zach Flora. Statistics show that 5% of structural fires or one in twenty are caused by cigarettes. On the late morning of May 21, 2020, an apartment landlord in the Pittsburgh area found out what it was like to become part of that statistic. Once the smoke cleared, he turned to his insurance company for help, where he quickly realized they weren’t the “good neighbor” they made themselves out to be. Then he turned to a trusted insurance claim adjuster also known as a public adjuster.


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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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Local Office

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