On Property Insurance Claim Tips Blog

Posts by Rick Tutwiler

A Christmas Tale

A Christmas Tale

This year, the Tutwiler Public Adjusters’ sleigh-team went all-out
To reward many kiddos who were all good and had no pout!

Bringing downtown Tampa much needed holiday joy and cheer
To over 150 children, whose school was near.
All were there - Santa, his elves, helpers and Roscoe the red-nosed Reindeer.

Basic necessities were brought
Such as hundreds of pounds of clothing and items, which Tutwiler sought.

But the Tutwiler team did not stop there
They collected Christmas cookies & juice boxes for all to share.

All the boys and girls were SO surprised,
as can be seen by their big ol’ bright open EYES!

Happy Holidays to all from the Tutwiler Public Adjusters team.

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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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      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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      Hurricane Dorian Insurance Claim Tips as it Sets its Sights on Florida

      Hurricane Dorian Insurance Claim Tips as it Sets its Sights on Florida

      No doubt about it, Hurricane Dorian is coming to Florida. We just don’t quite know where yet as the path continues to evolve. Currently, our firm is fielding many calls from prior clients and many others who are actively seeking professional claims representation in the event Hurricane Dorian causes damage to their property.  As such, our expert adjusters are working tirelessly to prepare communities and clients for the inevitable.  Before it’s too late, we encourage everyone to contact their Insurance Agent to obtain copies of their policies and ask the right questions so that they understand their Coverages, Policy Limits, Exclusions, Deductibles, etc.

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      Adjusting Expectations for Hurricane Michael Insurance Claims

      Adjusting Expectations for Hurricane Michael Insurance Claims

      It’s been just over three (3) months since Hurricane Michael decimated Panama City, Mexico Beach and Port St. Joe causing billions of dollars in damage in just those areas alone.  Michael was the strongest hurricane to ever strike the Florida Panhandle, reaching back to the beginning of even fragmentary historical records in 1851. Let’s not forget the thousands of people affected in northern areas of Florida such as Blountstown, Marianna and the many other towns throughout Georgia, South Carolina, and North Carolina where it pummeled thousands trying to recover from Hurricane Florence a month earlier, not to mention Virginia where the remnants of Michael caused 5 deaths.  

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      Hurricane Michael Insurance Claim Update – The Public Adjuster’s On-the-Ground Perspective

      Hurricane Michael Insurance Claim Update – The Public Adjuster’s On-the-Ground Perspective

      It’s been 1 month since Hurricane Michael roared ashore. My fellow adjusters and I have seen some horrific damage in the Panama City area and we plan to be there for the long-haul. Many policyholders are just starting to receive their insurance checks in the mail and much to their surprise, the settlement checks received are grossly insufficient and barely cover a fraction of what the true cost of repairs will actually be. We see this same scenario play out in every storm that we have worked over the years. 

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      Condominium Association Challenge of Handling Hurricane Michael Insurance Claims

      Condominium Association Challenge of Handling Hurricane Michael Insurance Claims

      After a meeting with the Board President of a Panama City Condominium Association, I had the chance to follow-up with some recommendations for dealing with their insurance company adjuster and contractors that I would like to share with others who may benefit from the same information.  

      First, keep in mind that the Board has a fiduciary responsibility to the both the Association members and to itself. The Board will need to assign someone to manage all aspects of the claim to the very finish.  Whether that person be an individual or a committee, ideally that person(s) would need to be qualified and competent to get the association through this burdensome process.  By no means will this be an easy process and given the magnitude of this catastrophic Hurricane. These claims can get complicated and many will not be amicably resolved their claims to their satisfaction.

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      Citizens continues to put $$ into defense lawyers coffers while losing $12.7 million sinkhole verdict

      Citizens continues to put $$ into defense lawyers coffers while losing $12.7 million sinkhole verdict

      Citizens Insurance is spending tons of policyholder premiums to pay its lawyer friends to fight these claims it clearly should be covering!! Citizens hit with a $12.7 million verdict, acted in monumental bad faith and as a result 500 people who own property in this community continue to suffer from a claim that has languished since 2007. It makes me wonder who is running this company, management or the attorneys?

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      Windstorm Conference 2018

      Windstorm Conference 2018

      Following this year's historic hurricane season, it has been great seeing and catching up with some of the best of the best in the property insurance claims industry! The Windstorm Insurance Network (WIND) is a professional association founded in 1999 and the organization offers elite education, industry insight and unique networking opportunities with representatives from all facets of the property insurance claims industry. This year, I served on an expert panel, "Where Wind Meets Fire" speaking about windstorms and how they exacerbate loss and damages resulting from fire, smoke, soot and ash in many different States like Gatlinburg, Tennessee, many parts of California and even on I-4 driving over from Tampa to Orlando.

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