Policyholder Question on How to Get Mortgage Company to Release Funds from Property Insurance Claim

This question was originally answered by public adjuster Dick Tutwiler for United Policyholders “Ask an Expert” where he contributes his experience to helping property owners who have insurance claim questions. Q. If the mortgage company holds on to my insurance repair check and delays my ability to rebuild my damaged home by hanging onto my insurance check, is…

Natural Disasters–The Road Home and the Path Forward on Property Insurance….and Hopefully a Little Help from Our Political Friends

With Super Storm Sandy’s anniversary at hand, not surprisingly, the national media is running a lot of stories on this Frankenstorm Halloween weather event. Having been there with our firm’s troops, we can bear witness to the awful devastation and impact on the communities and their residents lives from Sandy’s furry. Sandy has now been…

Insurance Appraisals and Lawyers – A Little History Lesson

“At Citizens, lawyers win, public loses” was the Tampa Bay Times featured editorial headline on Friday, September 27, 2013. This followed an earlier article in the Times “Citizens racks up millions in attorney’s fees and it denies claims” exposing the astronomical legal fees that have been paid to both plaintiff lawyers (policyholders advocates) and defense lawyers who represent the…

Shrinking Citizens is a Double Edged Sword

As pointed out in the recent Herald Tribune article: Citizens Poised to Further Cull Policies,  “Florida State insurance regulators are expected to approve the removal of nearly 600,000 Citizens customers from the state’s largest property insurer, which now covers some 1.2 million policyholders,” and many Tallahassee politicians are celebrating. But before you celebrate, consider the double edged…

Citizens Insurance and the Decision the State is Making for You to Go With the “New” Takeout Insurance Companies – A Public Adjuster’s Perspective

Almost daily we are reading in the print media about the push to depopulate Citizens Insurance Company, the State chartered (and for all practical purposes state run) insurance company. This insurance scheme was started to cover Florida homeowners when the big boys of the property insurance world cut and ran following some hurricane hits in…

Remembering Superstorm Sandy and its Impact on the 2013 Hurricane Season

On September 11th last year, Rick and I flew to New York City for a planned meeting with Anderson Kill Loss Advisors, and a group of the nation’s top public adjusters at the Manhattan law offices of Anderson Kill. The purpose of the meeting was to meet and discuss current events and future plans for this…

The Coming Hurricane Winds of Skyrocketing Flood Insurance Premiums

The media is finally waking up to the major increase policyholders will see in their flood insurance policies. Our public adjusters are already seeing an impact on the insurance claims market. Here’s my take based on our assistance to Superstorm Sandy victims and our dealings with the NFIP over the years. 2.4 million Floridians live less…