On Property Insurance Claim Tips Blog

The end of hurricane season 2014 – Why to never let your guard down

The end of hurricane season 2014 – Why to never let your guard down
The end of November brings two significant events. The first is a full court press for the start of the holiday season and the second is the end of the official Atlantic hurricane season. Regarding the former let’s hope it is a good one. Things are looking good as the U.S. stock market continues its upward trajectory and despite reports from the financial sector that 25% of some of the world’s largest economies are in a recession, (some even facing deflation) the U.S. economy continues to grow with the additional good news of little threat of inflation for the homeland. And love those falling fuel prices! Read More

Policyholders must beware of roofers and contractors acting as insurance adjusters

A rising problem that we in the public adjusting profession have been dealing with for years seems to finally have caught the attention of Florida officials. That is, the practice of insurance adjusting without a license by roofers and restoration contractors who sometimes are also unlicensed. A recent article, Illegal for roofers to act as insurance adjusters, experts warn perfectly illustrates the growing problem that takes advantage of homeowners who are in a stressful situation trying to repair their property and get a fair settlement. Hats off to Nancy Dominquez of The Florida Association of Public Insurance Adjusters who states, “when you have individuals or companies trying to convince homeowners that their contracting or roofing license permits them to handle insurance claims, that's incorrect. Not only is it incorrect, it's against the law.”

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Property insurance claim denied? Using the insurance company’s expert may lead to a reversal

Let me explain with an example of a claim that came across my desk that should be instructive laying out the steps policyholders should take when the dreaded denial letter comes in the mail from your insurance company. First, don’t panic. You may be able to turn things around provided you have requested all the information you need to convince your insurance company of the errors of their ways. So let’s get started. It will require a little work on your part, but you can do it.

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Water Damage Insurance Claims Pendulum Swinging the Wrong Way for Florida Policyholders

I want to thank Florida Public Adjuster Michael Platts for penning this excellent commentary. 

By Michael W. Platts
We are rapidly approaching the end of the hurricane season. It has been an unprecedented nine years since a hurricane has struck the State of Florida. Nonetheless, many citizens are not seeing much if any reduction in their property insurance premiums and worse yet, the overall environment seems to be one in which the consumer continues to receive less and less coverage whether it is a result of unfavorable court rulings, legislative machinations which strengthen the hand of the insurance companies or more restrictive language within the insurance companies’ contracts (their policies).

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Florida Insurance Market – Another Step Towards Stability after the Election

I want to thank Florida Public Adjuster Michael Platts for penning this excellent commentary. 

By Michael W. Platts

So, the hotly contested election in Florida is over. What’s next? How will the results impact the policyholders in our State? This is a key issue for a number of reasons; including the importance of affordable insurance costs, the role it plays in the recovery of the real estate market and the economy of our State as a whole.

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Congratulations to all the electoral candidates

Congratulations to all the electoral candidates

The end of an election cycle always presents a new opportunity for positive change. I pray that all the elected candidates remember who they are working for and try to work together to help both the property insurance policyholders and great State of Florida. The words of a great President come to mind: Let us not seek the Republican answer, or the Democratic answer, but the right answer. Let us not seek to fix the blame for the past. Let us accept our own responsibility for the future.  – John F. Kennedy

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Sandy Flood Claims Denied – Public Adjuster Wins Reversal 2 Years Later

Sandy Flood Claims Denied – Public Adjuster Wins Reversal 2 Years Later

Two years ago, on October 29, 2012 Super Storm Sandy came ashore just south of New York City causing significant flood damage to many buildings in the Financial District and in Battery Park City, New York.  Our firm was on the ground within 3 days post-storm, helping people prepare to file their Sandy insurance claims. We ended up opening an office in the area and stayed a good 6 months. Many of these high-end residential condominium buildings overlook the New York Harbor, Statue of Liberty, and skylines. Tutwiler & Associates Public Adjusters were retained to represent one of these tower communities.

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Are October Hurricanes becoming the Norm? Hurricane Gonzalo Update & Business Interruption Insurance Primer

Are October Hurricanes becoming the Norm? Hurricane Gonzalo Update & Business Interruption Insurance Primer

Most in the Caribbean Islands were unprepared.  In fact, one emergency operations manager downplayed the storm over the radio so much that thousands were caught off guard as they did not take the necessary precautions to protect their properties from Hurricane Gonzalo.  It is rumored he will soon lose his job.  At the request of some clients, I flew into St. Maarten the day after the storm passed.

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