It’s been a year since Hurricane Michael devastated parts of the Florida Panhandle, causing damage to homes and businesses alike. Many residents have had to leave their homes while awaiting repairs, and, to add to their frustration, are wrangling with their insurance companies to get the funds they need to rebuild and move on with their lives. If you are one of those property owners still waiting for the funds to settle your claim, have been denied your claim or feel you have not gotten a fair recovery, you likely know exactly how it feels to be displaced, frustrated, even angry.
There may be an option however
CHARLESTON — A public insurance adjuster advises homeowners who have experienced water damage in the recent flooding in West Virginia to report “water loss” instead of using the term “flood.” Early reports estimate more than $45 million of damage in southern West Virginia from what is being called a 100-year flood event. More than 1,200 homes have been damaged, and it may take another few weeks before the extent of the damage is fully known. Dick Tutwiler, founder of Tutwiler & Associates Public Adjusters, has worked more than 30 years in insurance adjusting. His firm is headquartered out of Tampa, Florida. But as a Marshall University alumnus, he feels for the West Virginia community.
Dick Tutwiler is featured in a Claims Management Guide to Natural Disasters. The article starts on page 44. Mr. Tutwiler is mistakenly referenced as an attorney by the reporter.
Tutwiler & Associate's President, Dick Tutwiler shares his views, tips and lessons learned on the upcoming 2013 Hurricane Season.
Here is an excellent report brought to you from United Policyholders and Consumer Federation of America on what consumers should look out for when reviewing their property insurance policies based on observations from Superstorm Sandy. Excellent resource links are also included.
Here's a great NY Times article by Money reporter Ron Leiber about some of the issues policyholders face after an insurance loss like Superstorm Sandy.
Tropical Storm Debby caused widespread wind, water and flood damage along the west coast and northern Florida (including Tampa and St. Petersburg) and will require that many residential and commercial policyholders submit an insurance claim. The public adjusters at Tutwiler & Associates urge policyholders to take the proper steps to protect their claim and avoid settlement problems.
The court's ruling found that home or building owners can now get special "diminution of value" payments when their buildings are damaged. That means insurers now must not only pay for repairs when a home or business is damaged, but they could also have to pay for the diminished value of that property.
Tampa, FL., April 2012 - Being chosen to host the 2012 Republican National Convention is a major coup for the entire Tampa Bay area. Having a global spotlight on our beautiful city and the surrounding Tampa Bay communities is sure to create a long-term positive economic shot-in-the-arm for the area business community. Having thousands of convention visitors in our community and press officials sending media reports all across the globe is clearly a chamber of commerce official’s dream come true.
So what dark storm clouds does this insurance loss adjuster with 39 years of experience see as a threat to this otherwise rosy picture of democracy at work in one of our nation’s finest cities?
Law and Ordinance coverage (sometime referred to as building code coverage) allows a policyholder to pay for increased repair costs when building codes require the repair or replacement of an undamaged part of a building in order to bring it up to current code requirements. Public adjuster Dick Tutwiler explores the intricacies of Law and Ordinance, an area of insurance coverage that many do not know or understand.
Good morning-Yesterday, when I deposited my insurance check at my bank, I was having a discussion with the bank manager. He referenced that on a personal note he was contemplating hiring a public adjuster due to Hurricane Irma issues and his homeowner's. I took the liberty of sharing your business card with him, and praised the quality of work your Firm delivers.Thank you both for everything
I'm impressed. For the first time, in about two decades of working with public adjusters, I’m impressed. God bless you sir, all of you at Tutwiler & Associates. - Doug Spurling, Claims Adjuster
We felt very confident with Ray assisting us with our claim. We are thankful we had them advocating for us.
Superb service and attention to detail, follow through and support made our experience with our claim positive and satisfying.
As an insurance agent in Florida for over 15 years, I always need a trustworthy public adjuster to help when the insurance companies don't want to pay. The Tutwiler team is always there to answer my calls and help my clients.
Charles R. Tutwiler & Associates Inc.
Licensed Public Insurance Adjusters & Loss Consultants
Offices: Tampa, Orlando, Hollywood, Palm City, Florida; Dallas, TX; Pittsburgh, PA
4300 W. Cypress St.
Tampa, FL 33607
Toll Free: 800.321.4488
Licensed in Florida # W840088 &
Texas #1399706 plus 16 other states
and the Virgin Islands
TAMPA | ORLANDO | PALM CITY | DALLAS | NASHVILLE | PITTSBURGH
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Charles R. Tutwiler & Associates Inc. is licensed in the states of Florida, Georgia, Kentucky, Louisiana, Minnesota, Mississippi, North Carolina, New Jersey, New York, Pennsylvania, Pittsburgh, Rhode Island, South Carolina, Tennessee, Texas, Virginia, West Virginia, and the U.S. Virgin Islands, with primary offices in Tampa, Orlando, Hollywood, Palm City, Florida; Dallas, Texas and Pittsburgh, Pennsylvania. Tutwiler handles both commercial and residential property insurance damage claims. Our primary clients include: homeowners, condominium & homeowner associations, apartment complexes, business & industrial concerns of all sizes, hotel, resort, hospital, municipal government, college and university disaster claims. Call Tutwiler for a free claims review at 800-321-4488, or simply request a quote using our quick claim quote form.