Your Trusted Public Adjuster
Since 1984
Helping homeowners, businesses, and communities recover with confidence.
97% Success Rate
in securing better settlements without an attorney
Hundreds of Complex Claims Handled
across high-stakes residential and commercial disputes
Experienced eyes on your claim
with a free property claim review
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Our Services
Find the Right Help for Your Claim
I’m a Property Owner Facing a Large Loss
Large Loss Claims
I’m an Attorney Who Needs Property Insurance Appraisal
Property Insurance Appraisal Services
I Represent a Condo Association or Commercial Property
Commercial & Condominium Claims
I Need Someone Local to Handle My Claim
Staff Directory and Offices
I’m a Homeowner With Damage
Residential Property Claims
I’m Already in a Dispute or My Claim Is
Delayed/Denied
Submit Your Claim
Why Choose Tutwiler
& Associates
From $75K losses to multi-million-dollar claims, we’ve seen it all. Don’t risk your settlement; trust the experts.
How It Works
Navigating insurance claims can be overwhelming. Our public adjusters are here to simplify the process and advocate for your best interests every step of the way.
Contact Us For A Free Claim Review
Reach out by phone, form, or text. We’ll listen to your situation, review your policy, and confirm if we can help. No obligation and no upfront cost.
We Inspect and Document Your Loss
A licensed public adjuster thoroughly inspects your property, gathers evidence, and uses advanced tools to document every detail the insurance company might miss.
We Handle the Paperwork and Negotiation
We prepare a complete claim package in the format insurers expect, manage all communication, and negotiate directly with the carrier; protecting your rights every step of the way.
You Get a Fair Settlement and Peace of Mind
We deliver the settlement check so you can repair, rebuild, and move forward without the stress of battling your insurer alone.
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Helping People Rebuild, One Story at a Time
Hear from people we’ve helped navigate insurance claims and get the settlements they deserved.
Tommy Southworth
President & COO, Southworth Development
“Without your professional expertise we, we would not have known how to assemble our claim or properly document it, nor would we have known what to ask for. Your efforts resulted in an outcome that not only justified your fee, but more importantly helped us to recover and keep positive momentum.”
Anne M
President, Boca Grande Club Condominium Phase I
“I was completely overwhelmed after Hurricane Ian caused extensive damage to our condominium buildings. Dealing with insurance companies on my own seemed impossible, especially given the two separate buildings and the complex insurance claims process […] I couldn’t be happier with their services and would highly recommend them to anyone in need.”
Jim Smith
Commercial Fire Claim
“With regard to our commercial fire loss, the initial settlement offer from our insurer was not made in good faith considering that we had already spent almost that amount securing the building and extracting water and smoke from a fire. After Tutwiler assumed negotiations with the insurer, our final settlement represented a whopping 650% increase.”
Lakhbir Hayre
Condominium Water Damage Claim
“Thank you for your outstanding work in helping us obtain proper compensation for the water damage that occured at our condominium in Sarasota. […] Your knowledge of how the process worked, your experience, attention to detail and general overall expertise were stellar and made a huge difference to the outcome.”
Why You Should Hire a Public Adjuster
Understanding the value we bring to your claim.
Advocates for the Policyholder
We represent your interests, not the insurer’s.
Fights for a Fair Payout
We ensure your settlement reflects the coverage you deserve.
Simplifies the Process
We handle paperwork, deadlines, and insurer communication for you.
Advocates for the Policyholder
We represent your interests, not the insurer’s.
Fights for a Fair Payout
We ensure your settlement reflects the coverage you deserve.
Simplifies the Process
We handle paperwork, deadlines, and insurer communication for you.
Submit a Claim
Areas We Serve
Experienced adjusters ready to help, wherever you are.
- Florida – main office
- Georgia
- Kentucky
- Minnesota
- Mississippi
- New Jersey
- North Carolina
- Pennsylvania – branch office
- Rhode Island
- Tennessee
- Texas
- West Virginia
- U.S. Virgin Islands
- Florida – main office
- Georgia
- Kentucky
- Minnesota
- Mississippi
- New Jersey
- North Carolina
- Pennsylvania – branch office
- Rhode Island
- Tennessee
- Texas
- West Virginia
- U.S. Virgin Islands
Tampa, Florida Executive Office
4300 W. Cypress Street, Suite 780 Tampa, FL 33607
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Pittsburgh, Pennsylvania Branch Office
PPG Place Building One, Suite 3100
Pittsburgh, PA 15222
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Tampa, Florida Executive Office
4300 W. Cypress Street, Suite 780 Tampa, FL 33607
View Map
Pittsburgh, Pennsylvania Branch Office
1001 Liberty Ave., Suite 500 Pittsburgh, PA 15222
View Map
Expert Guidance for Policyholders
Explore our blog for claim strategies and real-world advice.
Hurricane Season 2025: Uncensored Tips for Florida Policyholders
Florida Insurance Deception: Déjà Vu for Policyholders? Buyer Beware
FAQ
Find answers to common questions about public adjusters and their services.
When should I hire a public adjuster?
It’s best to involve a public adjuster as early in the claims process as possible. We are trained to review and understand insurance policy language and can help identify additional coverages you might otherwise miss. You should especially consider hiring one if you don’t have time to deal with your insurer, don’t understand your policy, have extensive or complicated damage, receive a quick payoff offer, or feel the carrier’s settlement is inadequate.
How does the claim representation process work?
Public Adjuster works on your behalf throughout the insurance claims process. We review your insurance policy to determine available coverages, inspect and document the damage, and prepare detailed estimates to support your claim. We then submit and manage the claim while communicating directly with the insurance company. Our role includes negotiating the settlement to help ensure you receive what you are entitled to under your policy.
Who does a public adjuster represent?
A public adjuster represents the policyholder, not the insurance company. Unlike the insurance company’s adjuster, who works for the insurer, a public adjuster works exclusively in your interest. Our responsibility is to advocate for you and help ensure your claim is properly prepared and presented.
Can making repairs hurt my insurance claim?
After experiencing property damage, it’s completely normal to want to fix things right away. Don’t make permanent or emergency repairs until you or an adjuster have documented the damage.
Your policy does require you to take reasonable steps to prevent further damage(such as covering a roof or stopping a leak) but avoid permanent repairs until the damage has been properly documented.
Also, keep any damaged materials until they’ve been seen by the adjuster. Disposing of items too soon can sometimes create unnecessary questions about your claim.
The key is simple: document first, then mitigate. Taking a little extra time upfront can help protect your claim and give you greater peace of mind during the process.
It’s best to involve a public adjuster as early in the claims process as possible. We are trained to review and understand insurance policy language and can help identify additional coverages you might otherwise miss. You should especially consider hiring one if you don’t have time to deal with your insurer, don’t understand your policy, have extensive or complicated damage, receive a quick payoff offer, or feel the carrier’s settlement is inadequate.
Public Adjuster works on your behalf throughout the insurance claims process. We review your insurance policy to determine available coverages, inspect and document the damage, and prepare detailed estimates to support your claim. We then submit and manage the claim while communicating directly with the insurance company. Our role includes negotiating the settlement to help ensure you receive what you are entitled to under your policy.
A public adjuster represents the policyholder, not the insurance company. Unlike the insurance company’s adjuster, who works for the insurer, a public adjuster works exclusively in your interest. Our responsibility is to advocate for you and help ensure your claim is properly prepared and presented.
After experiencing property damage, it’s completely normal to want to fix things right away. Don’t make permanent or emergency repairs until you or an adjuster have documented the damage.
Your policy does require you to take reasonable steps to prevent further damage(such as covering a roof or stopping a leak) but avoid permanent repairs until the damage has been properly documented.
Also, keep any damaged materials until they’ve been seen by the adjuster. Disposing of items too soon can sometimes create unnecessary questions about your claim.
The key is simple: document first, then mitigate. Taking a little extra time upfront can help protect your claim and give you greater peace of mind during the process.
Still have questions?
We’re here to help you
Need help with your claim?
Our public adjusters are here to assist you with your insurance claims.
Reach out now!
Submit a Claim