Entries for 'pittsburgh public adjuster'

Pittsburgh House Fire Claim Settlement – Lesson Learned – Read Your Policy!

Pittsburgh House Fire Claim Settlement – Lesson Learned – Read Your Policy!

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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Pittsburgh Public Adjuster Attention to Detail Prevents Fire Claim Delay for Homeowner

Pittsburgh Public Adjuster Attention to Detail Prevents Fire Claim Delay for Homeowner

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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Insurance company delay tactics serve Pittsburgh restaurant owners a plate of claim problems after fire destroys their property

Insurance company delay tactics serve Pittsburgh restaurant owners a plate of claim problems after fire destroys their property

In February of 2019, the owner of a popular family Italian restaurant in Pittsburgh and his employees cleaned up for the night and headed home not knowing that when they locked the doors, it would be for the last time. What happened over the next number of months became a lesson in what can happen with what appears to be a straightforward property insurance claim and why it can help to have a public insurance adjuster advocating for you.


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Pittsburgh Apartment Owner Receives Low-Ball Repair Estimate For Fire Damage

Pittsburgh Apartment Owner Receives Low-Ball Repair Estimate For Fire Damage

A real estate owner of multiple properties experienced a 3 alarm fire at one of their apartment buildings located in the Hill District area of Pittsburgh on November 2016.  The building suffered significant fire, water and smoke damage. Upon reporting the loss to its insurance carrier, multiple adjusters were sent out to inspect the loss and the insurance company immediately assigned an outside company specializing in large losses to handle the claim.  This adjuster prepared a repair estimate that (in the opinion of the apartment owner) did not cover the cost to cover the value of the building and the hidden structural damages that were apparent. It became obvious that the repair estimate ignored parts of the building not directly affected by the fire, but were still subjected to massive amounts of smoke and water damage. 


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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