Licensed Public Adjusters often hold the keys to resolution — yet far too often, they’re the last line of defense for policyholders simply trying to level the playing field. When TPAs and licensed field adjusters are instructed not to write estimates unless explicitly authorized — while quiet exceptions are made for select insiders — we’re…
Q. In my case, the insurance adjuster added $10,300.00 to my Irma hurricane claim to cover Overhead & Profit. This amount and the ACV were paid to me by Frontline upfront under my Replacement Value hurricane policy. The recoverable depreciation was held back until the work was completed. I required six trades to complete the work…roofer,…
Read an excellent feature article by the Tampa Bay Times this weekend on how policyholders are still being denied claims dollars that will help them recover from Hurricane Michael. Our public adjusters continue to battle and negotiate for homeowners and business owners. Some insurance companies are very professional while others continue to play the deny…
The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. Hurricane Irma caused damage to our home. No area contractors were able to do any interior repairs in a timely fashion. My wife and I have the skill sets to do drywall repairs, tiling,…
Your property or business suffered damage during Hurricane Irma. You promptly filed a claim or had a public insurance adjuster document and file the claim for you. A check from the insurance company appears in the mail. Great! How easy could it be? But wait, there’s a catch…..on the back of your check there is…
Q. We had a dishwasher leak into my cabinets and on my engineered hardwood floors. A claim was filed. Independent adjuster came out. When I got my estimates done they came out higher. Insurance already sent a check to us for 45kand repairs are at 65k. Now they want to send out a staff adjuster. My…
Throughout my career, I have always been amazed about the fact that financial institutions like mortgage companies, banks and credit unions, all who have a stakeholder’s interest in a property, (either through a mortgage or some type of financial interest or obligation) never seem to question a claim payment made by an insurance company following…
Reporter Andrea Senior of WTSP TV in Tampa recently did a story Single Mom Battles Insurance Co. After Fire on one of our clients who had filed a fire claim with St. John’s Insurance. It’s unfortunate the media found this newsworthy, but the facts supporting the case and how this was impacting the family right…
This question was originally answered by public adjuster Dick Tutwiler for United Policyholders “Ask an Expert” where he contributes his experience to helping property owners who have insurance claim questions. Q. If the mortgage company holds on to my insurance repair check and delays my ability to rebuild my damaged home by hanging onto my insurance check, is…