Policyholder Question: Public Adjuster clarifies property insurance claim coverage question for a shower pan leak

Policyholder Question: Public Adjuster clarifies property insurance claim coverage question for a shower pan leak

Q. A shower pan leak caused wood floor damage. Our insurance company says damage from a shower pan is not covered. That seems absurd to me. There is no way we could have known there was a leak until we saw the wood warping. Should our insurance claim be covered?


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Public Adjuster Restores Order after Tierra Verde House Fire Turns into a Property Claim Nightmare

Public Adjuster Restores Order after Tierra Verde House Fire Turns into a Property Claim Nightmare
On February 28, 2013 a massive fire broke-out in this upscale waterfront home located in Tierra Verde, Florida burning off the roof and causing significant fire, water, and smoke damage to the rest of the building structure, custom furniture, and personal belongings.  As is typical with all fires, which become public record when the fire department gets called, the homeowner was “assaulted” (his words) by emergency service restoration contractors and public adjuster chasers who came from all over the State of Florida to give their sales pitch.  Unfortunately, this property owner fell victim and signed with a restoration company who provided an estimate with a “not to exceed” agreement. But when the contractor sent the invoice for services performed, it was triple the amount!  The insurance company was just as surprised and refused to pay an obviously exorbitant amount. The contractor’s response was to place a lien on the property until the situation could be resolved.
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Flawed FEMA Insurance Claim Reviews and how Public Adjusters can Help

I am from the government and I am here to help you. The famous line from then presidential candidate Ronald Reagan claiming that the government is here to help you, will in my view always be remembered as the defining quote in his campaign that led to a conservative Republican victory and his election to this country’s highest office.  But that was then, what does it have to do with current events?
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What you don’t know, you don’t know! Lessons learned from the 2015 Windstorm Insurance Network Conference

What you don’t know, you don’t know!  Lessons learned from the 2015 Windstorm Insurance Network Conference
The 2016 Windstorm Insurance Conference at the Roosevelt Hotel in New Orleans was a huge success with 850 in attendance. The annual event is all about the best of the best in the property insurance industry that volunteer their time to teach and educate attendees on the latest trends. As a side benefit, the networking with leaders in their field is incalculable. Unlike many other forums around the country, this is the only one I am aware of where you encounter three or four faculty in a workshop all representing a different perspective.  Got questions, ask the panel--no issue or questions are off limits.
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Winter Storm Juno is Over – Get Ready for the Insurance Claims

Winter Storm Juno is Over – Get Ready for the Insurance Claims
While it seems most of the New York and New Jersey areas escaped major damage from the blizzard, folks in New England weren’t so lucky. We’re seeing reports of major flooding, coastal property damage, frozen pipe bursts and roof collapses from all the heavy snow will continue.  A couple of good articles that were just published Policyholders would be wise to read the articles below that were just published and offer tips on how to better navigate the insurance claims process. 
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Winter Storm Juno and the Insurance Claims to Come

Listening to the weather wonks, it sure looks like Winter Storm Juno may be one for the record books. It may also be a notable one for the insurance industry with all the expected claims from water losses due to frozen pipe breaks, collapsed roofs due to heavy snow loads, and most unfortunately fires from faulty heating appliances and improper use of space heaters. Policyholders in New England, New York and New Jersey need to take notice.
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Another Hurdle When Filing an Insurance Claim - The Civil Remedy Notice

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

By Michael W. Platts

I have recently been involved in three cases which bring up a very interesting yet disturbing trend. All three are relatively small insurance claims. In each case, the insurance carriers have chosen to deny these claims without (from my perspective) performing a fair, impartial, proper and thorough investigation.


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Understanding Your Property Insurance Coverage When you Have a Claim - A Simple Review Tool

The first thing many homeowners do when they experience a property loss is to dust off their insurance policy to see if they are covered. Quickly, they realize the complicated language property insurance policies can contain. It’s important to understand that the dynamics of a property loss are inseparable from the policy language when determining coverage. Even professionals can find interpreting policy language challenging. 
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2015 Windstorm Insurance Network - New Orleans Conference

Just wanted to give the readers of our blog a heads-up that if you have not already done so, register now for the 2015 Windstorm Conference.  We are back in New Orleans again for Windstorms 16th Annual Conference and as I recall from our last conference in New Orleans (pre Hurricane Katrina) New Orleans was a great venue with lots to do and there is always a lot to learn from the faculty who will be traveling from all over the country for this premier property insurance claim education event.


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Our Most Popular Property Insurance Claim Posts of the Year Part II

Our Most Popular Property Insurance Claim Posts of the Year Part II

In part 2 of our year in review, we learned from an Orlando couple that even the simplest property claim can quickly become complicated. We also got lots of reads on understanding what proof of loss is all about. Superstorm Sandy even reared its head again after we settled a 2 year battle to recover a fair settlement for a client. Life as a Public Insurance Adjuster never gets boring. Enjoy the rest of our popular claim posts.    

Got something you’d like us to write about next year? Let us know. A safe and Happy New Year to all!

Couple has Advice for Those Who Have Even the Simplest Insurance Claim

Proof of Loss Property Insurance Claim Requirements in Florida

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

Click to read more of the best posts of the year


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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