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Thank you for shepherding us through another episode of negotiating with the insurance company. You are the best. Town of Belleair, FL

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. If you are a public agency that has experienced a property related loss and would like to understand your options, give us a call at 813-412-8357 or contact us. 


FAQs About State and Local Government

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Yes we have always made ourselves available to provide our knowledge and information to those seeking direction and guidance on insurance adjusting issues. 

Our experience is that it you should retain a professional public adjuster as soon as possible after a loss. It is much easier to get the issues going in the right direction on the front end rather than trying to turn things around later once the parties have been entrenched in positions of disagreement.    

Our experience is that most large loss adjusters on the insurance company side would rather deal with a professional public adjuster who speaks and understands the insurance language, knows the procedures and the practices that are involved in adjusting a large loss. When both parties are able to communicate, the process works, which results in a mutual advantageous outcome for both parties. 
We welcome the opportunity to visit with you and go over your claim file details. We have always offered a no cost or obligation review of a loss and we pledge to give you a straight and honest opinion of our view of your ability to pursue additional items you feel may not have been considered by your insurer.

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Local Office

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