Claims Help for State and Local Government

government buildings and public offices damaged from storm

Understanding State & Local Government Property Damage Claims

State and local governments including school boards, marine ports and other publicly owned facilities are increasingly turning to professional public adjusters for assistance in adjusting large losses resulting from catastrophic events. The sheer size of these properties as well as the complex structure of the insurance coverage requires professional public adjusting assistance.

Based on our experience, the one thing we see that could be improved is quicker discussion and decision making on the part of elected officials or boards to involve a professional public adjuster early in the adjusting process. Often the council or board will want to wait and see what the insurance company will pay and if not satisfied then seek professional help.

Sometimes this position works. But generally it only delays the settlement of a claim. Valuable time is lost by not allowing a professional adjuster to start the investigative process. This also creates lost productivity of in-house staff dealing with the loss when their talent and time could be utilized restoring operations rather than attempting to adjust a claim for which they have little or no experience. Oftentimes matters are made worse due to a failure to provide correct information based on the facts of a loss and within the provisions of the insurance policy.

Some state and government agencies that have experienced large losses have entered into pre-loss service contracts to insure that a professional public adjusting firm is available and ready to go before the loss. Tutwiler & Associates is available and welcomes the opportunity to meet with prospective clients to discuss terms and agreements on both pre-loss planning as well adjusting services in the event of a loss.

For over 30 years state and municipal leaders have turned to or referred their colleagues to Tutwiler & Associates.  As experienced public adjusters, we understand the claims process and have all the resources to help you recover your claim.  Our knowledge of the insurance policy, claims process, and field experience have yielded us a longstanding positive reputation in the industry. 

We pride ourselves on obtaining the maximum claims settlement under your policy provisions so you can be paid to recover as quickly as possible.  


To find out more information about your rights please fill in our Free Claim Evaluation Form so we can determine if our services can specifically help you.

Contact a public adjuster from Tutwiler & Associates if you have a question or would like a free consultation about your state or local government insurance claim. Or call 1.800.321.4488