When disaster strikes, such as the devastating impact of Hurricane Irma, businesses are often left grappling with significant damage including property, inventory, and business interruption. For many, these damages can lead to crippling financial burdens, especially if they are not properly compensated by their insurance providers. In such situations, the role of a licensed professional public insurance adjuster can be pivotal.

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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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After Hurricane Ian made landfall in Ft Myers Beach, FL, Nick Chase received a call from a local business owner with six properties in the area that sustained various damages from flood and wind. Each property had to be thoroughly inspected with damages documented for the insurance claim submission. Coordinating all six claims while the owner focused on bringing the businesses back on-line, Nick ultimately settled with policy limits on one property and near policy limits on another. The remaining property damages were adjusted and settled to the very high satisfaction of the client.

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On September 16, 2020, Hurricane Sally caused severe damage all along the Emerald Coast and greater Pensacola regions. The effects of Sally were not quite as extensive as what the Mariner endured with Hurricane Ivan in 2004, though Sally’s impact did pack a windy punch rendering the building uninhabitable for quite some time. 

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The complexities of a property insurance claim are many. This is even more true with the variables that exist in claims for country clubs and resorts. Owners and managers are not only tasked with navigating a building damage claim and policy coverage issues, but they also have the monumental task of addressing, assessing, and seeking compensation for damages to business personal property, maintenance equipment, golf carts, golf course and grounds, supplies, saleable goods Inventory, food & beverage stock, debris removal, and costs incurred for engineers, architects, and auditors. Moreover, owners will be tasked with addressing and projecting intangible damages for items like business interruption, extra expense, lost sales revenue, and lost membership dues. For business managers not familiar with the insurance claims process this is a daunting task that takes away large chunks of time from their primary responsibilities to efficiently operate the business.

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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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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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A category 5 hurricane is the highest category of hurricane with winds exceeding 157 miles per hour which could mean near total destruction to anything in its path. On September 6th, 2017, Hurricane Irma made landfall in the U.S. Virgin Islands as a category 5 hurricane. The Palm Gardens Condo Association located on the island of St. Thomas fell victim to the high winds and torrential rain brought on by Irma. Immediately following the hurricane, Palm Gardens retained Tutwiler and Associates Public Adjusters to assist with their insurance claim. After taking charge of the property damage claim and through detailed negotiations, the association was awarded $4.7 million dollars to restore their condominium complex to its former beauty.

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