Posts by Rick Tutwiler

Filing a Property Insurance Claim – From Confusion to Clarity

by Rick Tutwiler on 5/29/2024
Filing a Property Insurance Claim – From Confusion to Clarity
Dick Tutwiler the Founder and Emeritus CEO of Tutwiler & Associates Public Adjusters was recently featured here on the Homeowners Be Aware podcast. During the interview, he provides some great insight into dealing with property insurance claims and some of the hurdles policyholders will face. If you have a favorite podcast platform, simply search "Homeowners Be Aware." The podcast can also be found on website: https://homeownersbeaware.com/  
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ABC Action News Explains Florida’s Property Insurance Disaster

by Rick Tutwiler on 5/16/2024
ABC Action News Explains Florida’s Property Insurance Disaster

Congratulations to ABC Action News ITeam reporters for clearly explaining the state of Florida’s Property Insurance situation in their Florida Insurance Disaster show. There are still home and business owners battling their insurance companies trying to rebuild. While we applaud Florida’s My Safe Florida Home Program and the recent fine of an insurer not complying with claim regulations during Hurricane Ian, much more can be done to give policyholders an avenue to resolve disputes, hold unresponsive insurers accountable and require insurers have the financial staying power to withstand the serious storms that will come. Follow ABC’s continuing coverage of the Insurance Crisis in Florida.  


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The Last House Standing – Property Insurance System Needs to Change

by Rick Tutwiler on 3/26/2024
The Last House Standing – Property Insurance System Needs to Change
The Last House Standing  by Director - Producer George Siegal, is a documentary film that explores why we continue to place cost over safety, while the technology exists to build homes capable of withstanding hurricanes, fires, and tornadoes. The film explores the challenges of post storm recovery and features an interview with our founder, Dick Tutwiler. Watch the Film Here
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40 Years of Contributing to the Public Adjusting Profession

by Rick Tutwiler on 2/23/2024
40 Years of Contributing to the Public Adjusting Profession
It's been quite the whirlwind at Tutwiler & Associates! This year we are celebrating our 40th Year Anniversary of putting policyholders first. This week, the Emeritus and Founder paid a visit to our office, sharing insights from his career in the professional public adjusting industry and invaluable insider knowledge acquired during his tenure at a major Insurance Company. From what I've gathered, the video company is doing a news piece diving deep into unraveling the complexities of insurance schemes in Florida along with the internal methods used in the claims settlement process between insurance companies and their policyholders.
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The Undeniable Value of Hiring a Licensed Professional Public Insurance Adjuster for Commercial Claims

by Rick Tutwiler on 10/6/2023
The Undeniable Value of Hiring a Licensed Professional Public Insurance Adjuster for Commercial Claims
When disaster strikes, such as the devastating impact of Hurricane Irma, businesses are often left grappling with significant damage including property, inventory, and business interruption. For many, these damages can lead to crippling financial burdens, especially if they are not properly compensated by their insurance providers. In such situations, the role of a licensed professional public insurance adjuster can be pivotal. 
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Hurricane Ian One Year Later: Policyholders Await Justice Amidst a Storm of Bureaucracy

by Rick Tutwiler on 9/22/2023
Hurricane Ian One Year Later: Policyholders Await Justice Amidst a Storm of Bureaucracy
It's been a year since Hurricane Ian unleashed its fury on Florida, battering both coastlines and wreaking havoc on agricultural and urban areas in between.  An event that should have subsided in its aftermath has instead metamorphosed into a year-long saga of pain, resistance, and a battle for policyholder insurance claim justice as countless victims remain ensnared in an unnatural whirlwind: the struggle for fair compensation and treatment in the claim adjustment process.  
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Understanding EML and PML: The Dilemma Facing Policyholders in Property Insurance

by Rick Tutwiler on 9/20/2023
Understanding EML and PML: The Dilemma Facing Policyholders in Property Insurance
Insurance is a cornerstone of risk management, especially when it comes to safeguarding valuable assets like property. However, the concepts of Estimated Maximum Loss (EML) and Probable/Possible Maximum Loss (PML) have been causing ripples of discontent among policyholders. Let's delve into what these terms mean and why they are becoming a concern, especially for commercial clients such as hotels and apartment complexes. 
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Expert Insights: Public Adjuster Reveals Key Flood Claim Strategies & Hurricane Idalia Updates for Policyholders

by Rick Tutwiler on 9/8/2023
Expert Insights: Public Adjuster Reveals Key Flood Claim Strategies & Hurricane Idalia Updates for Policyholders

Since Hurricane Idalia impacted Florida’s west coast, our public adjusters have been besieged with questions about flood claims. I also noticed from initial state claims data that many claims are being closed without payment. This may be due to policyholders not understanding what is covered under their homeowner's policy vs. their flood policy, if they have one. We are receiving concerning feedback from policyholders who are feeling frustrated in the initial stages of the claims process, especially from the moment they report their first notice of loss.  


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Hurricane Idalia Flood Claims – Now Comes Proof of Loss with NFIP Flood Policies

by Rick Tutwiler on 9/6/2023
Hurricane Idalia Flood Claims – Now Comes Proof of Loss with NFIP Flood Policies
Policyholders who were impacted by Hurricane Idalia flooding will soon be faced with fully complying with the terms and conditions of their flood policies.  One of those tasks is the filing a Proof of Loss (POL), which to the layman can be as complex as building a house with no construction experience.  Not surprisingly, our Florida public adjusters are already fielding calls with questions from confused policyholders.
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Public Adjuster Tips for Handling Your Hurricane Idalia Flood Insurance Claim

by Rick Tutwiler on 8/31/2023
We’ve revived a very popular blog for the benefit of Hurricane Idalia property owners on understanding flood where our talented staff of public adjusters share some of the best tips they could think of for handling a flood claim. The following are some tips that hopefully will help folks should they have flood coverage. Remember flood insurance is a separate policy from your standard homeowners insurance and covered under the National Flood Insurance Program (NFIP). Private insurers also sell under this program. A standard homeowners policy “will not” cover flood defined as rising water. Standard policies will cover wind driven rain or any moisture coming from above such as roof leaks.
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    "On Property" Insurance Claim Tips Blog

    Tips and advice about how to properly file and protect your property damage insurance claim and get a fair settlement. We invite all readers to ask questions about their claim so our public adjusters can post answers for others to benefit. Insurance claim expert guest bloggers welcome to submit posts via our contact form.

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    Local Office

    Tutwiler & Associates Public Adjusters, Inc.
    Licensed Public Insurance Adjusters & Loss Consultants
    Offices: Tampa, Orlando, Palm City, 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