Hurricane & Wind Insurance Claim Public Adjusters

hurricane hitting the coast of Florida

Understanding Hurricane & Wind Damage

Have You Settled Your Hurricane Matthew Insurance Claim Yet? - Are You Satisfied With Your Settlement Offer? If not, please read the following:

By now you should have received the following from your insurance company:

  1. An itemized accounting of your damages, including a detailed review of your loss.
  2. Written approval to proceed with repairs.
  3. Written agreement that you will be paid for the Full Cost of Emergency Mitigation Measures.
  4. Written agreement that you will be paid for the Full Cost of Covered Repairs.
  5. Checks covering building damages and contents damages.

If any of the above items have not occurred or if any part of your claim has been underpaid or denied, it’s not too late to get help from a public insurance adjuster. If you have received your insurance company’s repair estimate, you may be disappointed or even startled at the figures in the estimate. This is not unusual. Regardless of whether the adjuster was simply inexperienced or you were simply low-balled, you do not have to accept your insurance company’s offer. Call 800-321-4488 for a FREE courtesy review of your claim. A public adjuster will review your claim and make sure the damages were properly valued and documented and the proper policy coverage was applied.

The Florida Office of Program Policy Analysis & Government Accountability (OPPAGA)issued revealing report concerning property insurance claims that showed the effectiveness of using a Public Adjuster in property insurance claims. Policyholders with hurricane claims who were represented by a Public Adjuster received appreciably higher payments than those without a Public Adjuster.  There is no disputing the impact we can have on your claim!

Contact us or call 800-321-4488 for your no obligation FREE courtesy review of your claim.

About Hurricane Insurance Claims: Typically a property insurance policy covers direct physical damage from windstorm. If direct physical damage is obvious, such as entire roofs/walls or portions of roofs/walls blown away, then a coverage determination becomes easy. Then the major concern of the property owner becomes, "What is the full value of repair or replacement to make me whole again?"  Business owners will suffer down time creating the need to document business interruption losses. Homeowners will want to know where they will live while their home is being repaired. Not only is the building loss a concern, but business inventory losses and personal property damage frequently become a major portion of the windstorm damage insurance claim. Sometimes however, the damage from a covered peril is not so obvious. The expert public adjusters at Tutwiler and Associates can point you in the right direction.

What about water damage resulting from a windstorm event? One must always look to the specific policy language of the loss in question.  Typically, if the windstorm event causes a breach (break) in the building envelope (that is, the roof or walls) and water comes into the building due to that breach, then you have coverage. This would include water damage to the building itself, such as drywall damage, particle board expansion, electrical damage, mold, etc. Water damage to contents would also typically be included as part of the loss. Wind driven rain can also be very problematic in a hurricane as many insurance companies will not pay unless there is a breach or opening in a structure. Tutwiler and Associates has helped property insurance policyholders involved in every hurricane since 1984 and as many or more tropical storms, tornadoes and severe windstorms for the last 32 years. Let the experience and expertise of our public adjusters pay off for you. Tell us about your insurance claim.

More people live and work around the United States coastline than at any other point in our history. Coupled with the ever increasing cost of scarce materials and labor following a catastrophic windstorm event makes exposure to hurricane events more severe than ever. Damage from hurricane events, especially in our coastline areas have high exposure to both windstorm and flood damage. This creates the wind vs. water controversies that fill our courtrooms following hurricane events. Why?

The primary reason is that property insurance contracts that do cover windstorms normally exclude the peril of flood, and flood policies cover flood but not the peril of windstorm. So what happens when a hurricane damages properties, especially near our coastlines? Will the windstorm carriers and the flood carriers point fingers at each other, and leave you, the policyholder, caught in the middle. Our experience is if you have a loss from wind and flood you need to be prepared to prove which caused what part of your damage. Note that the National Flood Insurance Program (NFIP), part of FEMA, underwrites the flood policies. How does one sort out this controversy? The public adjusters at Tutwiler and Associates frequently become part of this equation to assist policyholders in sorting out what is wind and what is flood.

Some Florida Hurricane History
Most property insurance contracts cover the peril of windstorm to include tornado, hurricane, tropical storm and even wind storm damage associated with thunderstorms. A notable exception occurred in the post-loss environment following Hurricane Andrew in 1992. In Florida, most if not all carriers sought to limit their exposure to windstorm peril from hurricanes by creating high percentage hurricane deductibles in their policies. If you'd like more detail on understanding the impact these percentage deductibles can have on you, please view our complimentary article on Understanding Hurricane Percentage Deductibles. Some insurance companies would not even write coverage and others withdrew from the State in total or set up what was called "PUP" companies in an attempt to limit the parent company liability. These "PUP" companies would only be on the hook for the policies they sold. If they could not pay claims, their organizational structure would limit the parent company's liability beyond the assets of the "PUPs."  Properties in a high wind zone area often became uninsurable which forced many homeowners in Florida to seek windstorm coverage with the quasi-governmental carrier, Citizens Property Insurance Corporation.

Please visit our Success Stories page to see examples of hurricane, tornado and windstorm losses we have settled.

Contact a public adjuster from Tutwiler & Associates if you have a question or would like a free consultation about a hurricane, tornado or wind damage property insurance claim. Or call 1.800.321.4488