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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Hurricane Michael made landfall as a Category 5 Hurricane in the Florida Panhandle with maximum sustained wind speeds of 140 MPH. As evidenced above, the storm caused catastrophic damage from wind and storm surge. Our client contacted Tutwiler and Associates to assist with this nightmare and began working with licensed public adjuster, Michael Stabile. Using thermal imaging and moisture mapping, Mike was able to prove beyond a shadow of doubt that our client’s home had substantial hidden water damage behind the walls and subfloor. Mike was able to get over 6 times more than what the insurance company initially offered as “Final Payment”. The result was a full policy payout and Mike was even able to get the $5,000.00 deducible waved.

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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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Hurricane Irma caused significant damage throughout Florida on September 11, 2017. Our client sustained water and wind damage to their property located in Highland Beach, Florida. The insurance carrier made a quick inspection and confirmed the damage, but their initial offer was below the deductible of $260,000.00 resulting in no payment being made to the client. Tutwiler and Associates public adjusters, Rick Tutwiler and Kevin Leisure, were hired to represent the insured. Negotiations resulted in a settlement of $4.9 million dollars, assuring this beautiful property was properly restored.

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On August 25th a Pittsburgh family of 3 were away enjoying a fun filled family vacation when they received a call from a neighbor that quickly turned their sunshine to clouds. The neighbor called with the horrible news that their garage door was mysteriously open and water was pouring out onto the driveway. At this point panic had sunk in as they had no idea what they were going find when they returned home. The family decided it would be best to call their insurance agent, report the claim and ask for advice to see if they were covered. The agent quickly assured them that they were going to be OK, reported the claim for them and had an insurance company preferred restoration contractor scheduled to mitigate the water damage. Following the phone call with their agent they packed their belongings and knew that it was time to head home to deal with the unfortunate accident. What transpired is a lesson that can benefit all policyholders. Sometimes it pays to have an independent professional look at your claim.

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