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Residential, Homeowner Association Insurance Claims

This is the description for the Residential category. This is the description for the Residential category.This is the description for the Residential category.

Tropical Storm Debby Causes Sewer Back-Up & Roof Damage in Luxury Home

Tropical Storm Debby Causes Sewer Back-Up & Roof Damage in Luxury Home

On June 24, 2012 Tropical Storm Debby came ashore from the Gulf of Mexico and stalled out over the central State of Florida for multiple days, subsequently inundating the State with heavy rain, wind, and tornadoes.  The damage was so severe and widespread that our Governor Rick Scott declared a State of Emergency.


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Lido Beach Flood Damaged Home Restored with Help of Public Adjuster

Lido Beach Flood Damaged Home Restored with Help of Public Adjuster

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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Public Adjuster Helps Expedite Repairs to Flood Damage Caused by Sandy to Save the Holidays for Babylon, NY Family Estate

Public Adjuster Helps Expedite Repairs to Flood Damage Caused by Sandy to Save the Holidays for Babylon, NY Family Estate

As we all know, Super Storm Sandy caused significant flood and wind damage to many large estates and residential properties throughout the States of New Jersey and New York.


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Proper Adjuster Inspection Yields Fair Settlement for Sandy Damage to Waterfront Estate

Proper Adjuster Inspection Yields Fair Settlement for Sandy Damage to Waterfront Estate

This large estate located in Babylon, New York sustained flood damage as a result of the rising waters caused by Sandy. However the severe damage was mainly limited to the crawlspace.  This presented a major challenge, especially as it related to the scope and method of repair due to the way this structure was built.  Additionally, the flood insurance adjuster sent out by the insurance carrier felt that no water entered into the first level of the home, which upon proper inspection by our team, was simply not accurate.


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Astonishing Sinkhole Settlement - Claims Adjuster Keith Grams Obtains 622% More for Tampa Family’s Sinkhole Insurance Claim

Astonishing Sinkhole Settlement - Claims Adjuster Keith Grams Obtains 622% More for Tampa Family’s Sinkhole Insurance Claim

This Tampa family trusted their insurance company to do the right thing when they made a claim for possible sinkhole activity.


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Grams Negotiates a 133% Increase in Tampa Family’s Sinkhole Insurance Claim

Grams Negotiates a 133% Increase in Tampa Family’s Sinkhole Insurance Claim

When this Tampa family’s new insurance company required cracks on the outside walls to be fixed before they would provide homeowners insurance, they realized that sinkhole activity could be causing the cracks.


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Another Sinkhole Denial – Another Policy Limits Settlement

Another Sinkhole Denial – Another Policy Limits Settlement

When this Spring Hill homeowner began noticing cracks around the pool deck and his floor tile buckled, he knew something bad was happening. Then, his suspicions were confirmed when testing identified sinkhole activity at his next-door neighbor’s house. He made a claim with his insurance company fully expecting to be treated fairly. Unfortunately, after testing his house, the insurance company denied his sinkhole claim citing a myriad of policy exclusions. At the recommendation of his neighbor, the homeowner contacted public adjuster Keith Grams of Tutwiler & Associates to represent him in his claim.


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St. Petersburg House Fire Insurance Claim Paid with Help of Public Adjuster

St. Petersburg House Fire Insurance Claim Paid with Help of Public Adjuster

On July 6, 2011 an electrical fire broke out in a rental property located in St. Petersburg, Florida.  Major smoke damage ensued as well as water damage caused by the fire department extinguishing the fire.  Since the condition of the dwelling made it uninhabitable, the tenants were forced to move out causing the property owner to sustain additional losses in rental income.


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Upscale South Tampa Home Water Damage Claim

Upscale South Tampa Home Water Damage Claim

On January 8, 2011, a toilet supply line burst in an upscale two-story home causing significant damage to the bathroom, bathroom cabinetry, drywall, insulation, baseboards, doors, door frames, kitchen cabinets, and custom oak wood flooring located throughout the dwelling.


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Public Adjuster Increases Siesta Key Residential Fire Claim by $606,000

Public Adjuster Increases Siesta Key Residential Fire Claim by $606,000

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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Tutwiler & Associates Public Adjusters, Inc.
Licensed Public Insurance Adjusters & Loss Consultants
Offices: Tampa, Orlando, Palm City, Ft. Myers, Florida; Dallas, TX; Pittsburgh, PA

Executive Office
4300 W. Cypress St.
Suite 780
Tampa, FL 33607
Phone: 813.287.8090
Toll Free: 800.321.4488

Licensed in Florida # W840088 &
Texas #1399706 plus 16 other states
and the Virgin Islands