When disaster strikes, such as the devastating impact of Hurricane Irma, businesses are often left grappling with significant damage including property, inventory, and business interruption. For many, these damages can lead to crippling financial burdens, especially if they are not properly compensated by their insurance providers. In such situations, the role of a licensed professional public insurance adjuster can be pivotal.

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A homeowner was offered $8K after deductible and depreciation by their insurance company for their Hurricane Ian claim. A neighbor, who was a prior client of Tutwiler & Associates Public Adjusters referred them to Venice, FL public adjuster Nick Chase. Nick immediately documented the loss and submitted the claim. After a few months of arguing damages and causation, Nick was able to recover an additional $96K to properly repair their home.

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After Hurricane Ian made landfall in Ft Myers Beach, FL, Nick Chase received a call from a local business owner with six properties in the area that sustained various damages from flood and wind. Each property had to be thoroughly inspected with damages documented for the insurance claim submission. Coordinating all six claims while the owner focused on bringing the businesses back on-line, Nick ultimately settled with policy limits on one property and near policy limits on another. The remaining property damages were adjusted and settled to the very high satisfaction of the client.

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When Hurricane Sally made landfall in Pensacola, FL, it delivered a devastating blow to the coastal community with high winds and storm surges. Park Place Apartments was directly in its path. Having previously used Tutwiler & Associates Public Adjusters to assist with a hurricane loss 15 years prior, they didn't hesitate to call on them again.

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The complexity of issues and decisions that policyholders face after experiencing property damage is a primary driver that motivates our clients to reach out to us as their first point of contact after a disaster impacts their property. Such was the case for a previous client who owns four rental properties on Sanibel Island that incurred damage from both wind and 8 ft. of flood caused by Hurricane Ian.

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Every day, our licensed public adjusters are contacted by businesses after they encounter damage to their property. Many commercial policyholders are surprised to learn that the insurance company simply doesn’t automatically just pay their insurance claim. 10 months after Hurricane Ian, business owners are still trying to put the pieces back together.

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As numerous clients are in various stages of repairs their Hurricane Ian damaged properties, we would like to share one success story that underscores the invaluable role experienced public adjusters can play contributing to the stability of Florida's challenging insurance market. First, let’s look at an example of what has brought policyholders, claim professionals, state officials, and insurance executives to this point of frustration.

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On September 16, 2020, Hurricane Sally caused severe damage all along the Emerald Coast and greater Pensacola regions. The effects of Sally were not quite as extensive as what the Mariner endured with Hurricane Ivan in 2004, though Sally’s impact did pack a windy punch rendering the building uninhabitable for quite some time. 

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The complexities of a property insurance claim are many. This is even more true with the variables that exist in claims for country clubs and resorts. Owners and managers are not only tasked with navigating a building damage claim and policy coverage issues, but they also have the monumental task of addressing, assessing, and seeking compensation for damages to business personal property, maintenance equipment, golf carts, golf course and grounds, supplies, saleable goods Inventory, food & beverage stock, debris removal, and costs incurred for engineers, architects, and auditors. Moreover, owners will be tasked with addressing and projecting intangible damages for items like business interruption, extra expense, lost sales revenue, and lost membership dues. For business managers not familiar with the insurance claims process this is a daunting task that takes away large chunks of time from their primary responsibilities to efficiently operate the business.

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Hurricane Irma made landfall over southern Florida on September 10^th 2017 as a Category 3 storm packing winds of more than 110 miles per hour.  It overwhelmed the entire state for nearly two days with heavy rains greater than 2 inches and fierce winds causing extensive damage to a luxury home located on Highland Beach in Palm Beach County, Florida. 

The insurance company’s initial offer was well below the Hurricane Deductible of $90,000 resulting in no payment being made to the insured as they felt the damages did not warrant a settlement and further contended damages were pre-existing.  The insured’s hired Tutwiler and Associates public adjusters, Rick Tutwiler and Kevin Leisure, to represent them.

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