The complexity of issues and decisions that policyholders face after experiencing property damage is a primary driver that motivates our clients to reach out to us as their first point of contact after a disaster impacts their property. Such was the case for a previous client who owns four rental properties on Sanibel Island that incurred damage from both wind and 8 ft. of flood caused by Hurricane Ian.

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Every day, our licensed public adjusters are contacted by businesses after they encounter damage to their property. Many commercial policyholders are surprised to learn that the insurance company simply doesn’t automatically just pay their insurance claim. 10 months after Hurricane Ian, business owners are still trying to put the pieces back together.

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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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Two years ago, on October 29, 2012 Super Storm Sandy came ashore just south of New York City causing significant flood damage to many buildings in the Financial District and in Battery Park City, New York.  Our firm was on the ground within 3 days post-storm, helping people prepare to file their Sandy insurance claims. We ended up opening an office in the area and stayed a good 6 months. Many of these high-end residential condominium buildings overlook the New York Harbor, Statue of Liberty, and skylines. Tutwiler & Associates Public Adjusters were retained to represent one of these tower communities.

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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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On June 24, 2012 Tropical Storm Debby passed over the central State of Florida causing significant flood damage to this commercial shopping center’s two buildings located in Port Richey, FL. 

Immediately following the loss, the insured immediately reported the claims to the insurance company covering the property and hired Public Adjuster, Rick Tutwiler to assist with the claims process.

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Old Dutch, Inc. owns and leases a number of properties in the Tampa Bay area. When the owners experienced a catastrophic failure of a 4” high pressure fire suppression pipe located in the slab in one of their properties, they knew from prior experience their insurance company would require proper documentation. 

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New Orleans Middle School Advocates, Inc. is a private charter school located in the City of New Orleans. The district has three (3) school buildings that serve 701 students in grades KG through 8.  As a result of Hurricane Katrina...

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There is nothing worse than your insurance company or their adjuster informing you that the damage to your property Is Not Covered!  Such was the case when this flood insurance adjuster denied a major portion of this claim referring to his interpretation of the coverage on page 5 paragraph 3 sub paragraph f. of the Standard Flood Insurance Policy General Property Form.

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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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