Following a major commercial fire at a Ybor City nightclub in Tampa, Fl. the property owners made a quick decision to hire what turned out to be an unqualified Public Adjuster.  That adjuster decided to bring in a restoration company that he was friends with and together they made many mistakes with the claim. The insurance company offered $85,000 on the claim that obviously required a greater sum to put the property back to pre-loss condition. Client frustration built up and subsequently both companies were fired. But the damage was done, and the claim was a mess. In fact, the damage became worse!

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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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During a heavy overnight rainstorm in June 2020 a large amount of water gathered on the rear portion of a commercial structure in Tampa, FL.  Due to the extreme weight of the water the rear portion of the roof failed causing a severe collapse.  This created an opening in the structure which allowed large amounts of water to enter the building.  Structural damage was present along with damages to the entire roof system, interior walls, flooring, and finishes.  Additionally, a large amount of business personal property had sustained damage.  Recognizing the severity of the damage and potential claim issues the client retained, Public Adjuster Scott Luginski.  Scott wasted no time to review the policy, assess and discuss coverage with the carrier and quickly obtain a six-figure advance payment for the policyholder.  Scott was then able to manage the entire claim (allowing the policyholder to resume daily business activities), meet with the insurance company personnel numerous times (including adjusters, consultants and experts) and pinpoint all damages to provide an accurate scope of work necessary to return the structure to pre-loss conditions.  Ultimately, Scott was able to obtain a settlement exceeding $420,000.

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