It's difficult to prepare for a fire loss. This Miami-based client had their Chiefland, Fl. rental property catch fire while the tenants were cooking. The insurance company adjuster wrote an estimate that fell well short of the cost to fix the property. A frustrated owner contacted Tutwiler & Associates Public Adjusters. Florida claim adjuster Nick Chase immediately scheduled inspections with a State Fire Investigator to determine causation and the insurance company field adjuster to reinspect the damages.

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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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What happens when your HVAC condensate line leaks and the insurance company refuses to compensate you properly? You call Orlando public adjuster Nick Chase. This Orlando client received a meager $32K offer for extensive second-floor water damage. After attempting to handle the claim themselves and not receiving any meaningful communication from the insurance company, Nick assisted in applying for the Florida State-run mediation program. Once he was in front of the mediation panel, he was able to recover an additional $30K for the client. 

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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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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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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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In the early morning hours of March, 2020, the homeowner (now residing out of state) received a call notifying him that his home caught fire destroying everything. After confirming that his ex and his son were safe, the insured notified his insurance company of the fire loss. While filing the claim the homeowner was asked a few basic questions that apparently raised a red flag with the insurer. Three days later he received a Reservation of Rights (ROR) letter. The ROR letter is used to notify a policyholder that the insurance carrier is investigating the claim and is issued to reserve the insurance company’s right and or preserve any timelines of state statutes to deny a claim at the conclusion of the investigation. The letter stated that “the investigation has revealed that you were not occupying the residence premises at the time of the above noted loss.” It was obvious the insurance company was making an issue of this as a reason to deny the claim.

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Hurricane Irma made landfall over southern Florida on September 11, 2017 as a category 3 storm packing winds of more than 110 miles per hour. It overwhelmed the entire state with heavy rain and fierce winds causing extensive damage to a luxury home in Highland Beach, Florida.

The insurance company’s initial offer was below the deductible of $90,000.00 resulting in no payment being made to the insured as they felt the damages did not warrant a settlement. The insureds hired Tutwiler and Associates adjusters, Rick Tutwiler and Kevin Leisure, to represent them. Mr. Tutwiler and Mr. Leisure were able to negotiate a settlent of $1 million dollars.

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On May 28, 2019 a catastrophic hail storm hit the Pittsburgh suburb of Gibsonia. The golf ball sized hail that struck and damaged homes, buildings, cars anything it came in contact with. Over the next few days, contractors converged on the area knocking on doors and telling property owners they needed new roofs “just sign here” and we’ll file an insurance claim for you. Rather than doing the smart thing and call their insurance company to file a claim, some homeowners who had not dealt with a loss like this went along. As insurance company representatives visited their policyholders in the area, there was no question that all of the roofs needed to be replaced due to the hail damage. 

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On November, 2018 a Pittsburgh woman returned to a flooded home due to a water leak. The women decided it would be best to call her insurance agent, ask for advice and if this was something that her insurance would cover. She was instructed to file a claim and was referred to a preferred vendor of her insurer to mitigate the damage. Over the next few days arrangements were set up for the woman to temporarily stay in a hotel while she watched her home torn apart from top to bottom becoming virtually unrecognizable. 

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