On Property Insurance Claim Tips Blog

Posts by Rick Tutwiler

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

The Benefits of Pre-Loss Property Insurance Claim Preparation and Disaster Planning

The Benefits of Pre-Loss Property Insurance Claim Preparation and Disaster Planning

Some of our most savvy clients understand just how important it is to have an experienced Public Adjuster on their team even before a property loss occurs.  Some of our clients have been extremely fortunate to never have sustained a property loss but have nonetheless educated themselves to prepare or have heard the horror stories of others who have endured the insurance claim process. At Tutwiler & Associates Public Adjusters, we’ve created a program just for this purpose called: Disaster First Recovery Services

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Beware of Free Roof Offers from Contractors

Beware of Free Roof Offers from Contractors
Some contractors in Florida have been offering homeowners free roofs and offering to handle the insurance claim in exchange for signing what is called an Assignment of Benefits (AOB) contract. This may allow the contractor to charge high fees and sue your insurance company. In Florida, it is against the law for contractors to file or negotiate an insurance claim. Read More

Cape Coral Still Feeling Impact of Tornados

Cape Coral Still Feeling Impact of Tornados
When and EF2 tornado hit the Cape Coral area in early January and then another windstorm added insult to injury, it was a good indicator of what hurricane force winds will do to a community like this. Here’s some drone video showing the wind damaged landscape. We are still working with some policyholders in the area and the situation down there is surprisingly still not good. Homeowners are starting to get their claim checks from their carrier and suddenly realizing they are not enough to fix their damage. Well over one hundred homes are on a 4-6 week wait for tile roofs. Worse yet, insurance carriers are not paying for roof tarps and I hear the local building department is overwhelmed with permitting and inspections.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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Support United Policyholders

Support United Policyholders
One group we would like all our professional colleagues to be aware of is United Policyholders, a non-profit organization whose mission is to educate and advocate for property insurance policyholders. Whenever there is a major weather or disaster event, like the recent California wild fires, they are there to answer questions and lend a hand with disaster recovery assistance. We are proud to be a Platinum Sponsor and welcome the opportunity to be part of the expert panel that helps to answer policyholder questions. We urge all of our colleagues to consider helping this organization, so they can do more to educate and protect policyholders. Read More
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South Carolina Flooding – Policyholder Questions Part III

South Carolina Flooding – Policyholder Questions Part III

Here is our 3rd and final installment of questions we are fielding from the flooding in the Columbia and Charleston, South Carolina.  Hopefully we can help others seeking similar answers with flood insurance claims issues.

Q.  How much drywall damage will my flood insurance pay for? Read More

South Carolina Flooding – Policyholder Questions Part II

South Carolina Flooding – Policyholder Questions Part II

Here is our 2nd installment of questions we are fielding from the flooding in the Columbia and Charleston, South Carolina.  Hopefully we can help others seeking similar answers with flood insurance claims issues.

Q.  My lower cabinets were damaged by the flood waters.  Does my flood insurance pay to match them and pay for my upper cabinets? 

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South Carolina Flooding – Policyholder Questions Part I

South Carolina Flooding – Policyholder Questions Part I
Whenever there is a severe storm like the flooding in the Columbia and Charleston, South Carolina area our inbox gets inundated with questions from policyholders who are entering the insurance claims world for the first time and are seeking answers on how to recover from their damage. Over the next week we’ll publish some of the more popular questions with hopes that we can help others seeking similar answers. 

Q.  What does the NFIP flood policy require me to do after I report my claim.

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