One can never be completely prepared for disaster or other societal impacts a disaster can bring to a region. In our firm’s experience, those who are best prepared have formerly endured the claim process and call their public adjusters right away. The Historic 2021 Winter Outbreak wreaked havoc in Texas bringing snow, sleet, and freezing rain along with extreme cold temperatures that lasted for several days. It was one of the most impactful winter events in recent history that culminated with multiday power outages, loss of heat and countless broken pipes leading to the costliest weather disaster for the State of Texas.

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As we approach the winter season, we are all starting to turn on our heat, bundle up, pull out those space heaters for our drafty basements and turn on the heated blanket at night. While all the above are effective ways to stay warm during the winter months, it’s important to note that all of these methods of warmth are major contributors to the origin of commercial or residential house fires.

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On September, 2016 a property owner who owns a significant amount of property in the Wilmerding area of Pittsburgh all insured with one particular insurance company for close to 27 years, reported a claim after noticing the exterior brick on one of her apartment buildings were beginning to fall. Her insurance company replied that they were sending out one of their trusted engineers to view the property and inspect the structural integrity of the wall. Upon meeting with the policyholder’s contractor and inspecting the building, the engineer informed the woman and her contractor that the wall (in his opinion) was safe. Some time passed after the inspection and the property owner received a letter from her insurance company stating that their engineer had confirmed no real damage had occurred to the building, therefore the claim is denied. In this letter was a report written by the engineer stating his findings along with a proposed repair method. 

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Hurricane Irma hit Florida as a Category 3 storm the morning of September 11, 2017. It was the most powerful Atlantic hurricane in recorded history. Unfortunately for our insured, their home located in Winter Park, Florida sustained significant damage due to the massive storm. The insured contacted their insurance company immediately following the storm. The insurance company assessed the damages as near to none and advised no offer to be made as the deductible was $60,520.00. The insured hired Tutwiler and Associates to represent him in the claim. Our public adjusters, Rick Tutwiler and Kevin Leisure, were able to negotiate a settlement of $750,000.00

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Florida is the poster child for winter vacation homes with many homeowners splitting their time between their northern and southern home. But that means a home may be left unattended for 6 months or more. In this claim, the homeowners split their time between New York and Boynton Beach, Florida. They initiated a homeowner’s claim in late July 2017 after receiving notice from a neighbor that water had been pouring out of their house due to a failed refrigerator supply line.  Several days after filing the claim they contacted Tutwiler & Associates for assistance as they were unfamiliar with the property insurance claim process, were worried about receiving a fair settlement and were unable to stay in Florida for the entirety of the claim. 

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On February 2, 2014 the owner of this upscale estate discovered massive amounts of water damage to the inside of the home.  The insured property owner promptly called his agent who in turn notified the insurance company.  The owner then called, New York Public Adjuster, Mr. Rick Tutwiler of Tutwiler & Associates Public Adjusters to manage the insurance claim…

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On October 29, 2012, Superstorm Sandy came ashore causing extensive flood damage to this luxury home located on Lido Beach, New York.  After waiting nearly 5 weeks for a flood adjuster to simply call and schedule an appointment, the property owner’s realized they could not wait any longer and decided to hire the professional services of Tutwiler and Associates Public Insurance Adjusters to help them document the loss and damages.  Shortly thereafter, Public Adjuster Rick Tutwiler was retained and the process began.

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In early 2011, a major electrical fire erupted in a Siesta Key residence causing significant damage throughout the insured’s winter vacation home.  Immediately following the loss, the homeowners reported the damage to their insurance company and an adjuster was assigned to handle the claim.  Two weeks later, the adjuster provided the homeowners with his repair estimate for the house damage and immediately issued a check the same day in the amount of $47,945.32.  Was this a fair insurance settlement offer?

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On October 25, 2010 a main water line was discovered to have burst in a second floor unit allowing for large amounts of water to enter into the first floor unit for an unspecified period of time.  Water was pouring out of the ceiling light fixtures and air vents causing direct physical damage to...

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The contractor determined that the damage was $169,692.84 and the carrier insisted on settling the claim for that amount. After several rounds of negotiation and appraisal of the disputed difference the claim was settled for $756,868.59…

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