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…
Florida homeowners with severe damage from Hurricane Milton to the extent that their residence is uninhabitable, may have an insurance policy that provides a coverage called “Additional Living Expense” or “A.L.E.” if it is a covered loss. Under the Additional Living Expense coverage, you and your family may be entitled to rent another home of…
As recovery efforts begin after Hurricane Helene, many Floridians are facing the challenge of navigating property damage claims. This is a critical moment, especially given the lessons learned from Hurricane Ian just two years ago. While the focus is understandably on the present, 60 Minutes will be airing a segment tonight titled After the Hurricane, reflecting on Ian’s…
Hurricane Helene is a fast moving large storm system that will impact a large geographic area. You pay good money to insure your property, while hoping never to have to file a claim. But when disaster does strike, you expect your insurance company to have your back. In a perfect world, your insurance carrier will…
It is extremely important to have records of your property’s condition in the event that you need to file a claim with your insurance company. Based on current assessments, Hurricane Debby is expected to cause significant losses from Ft. Myers in Southwest Florida, Sarasota to Clearwater St. Petersburg, and especially into Tampa Bay. Right now,…
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.”…
Insurance Reform Special Session Updates Public adjuster talks property insurance special session (baynews9.com) Lawmakers to tackle Florida’s property insurance crisis (baynews9.com) As legislators attempt to reform and bailout the Florida property insurance market, ask yourself this: Is the policyholder, property owner being put first? Is there any guarantee in the legislation that rates will come down?…
In 2011, investigative reporter, Ms. Paige St. John of the Sarasota Herald-Tribune won a Pulitzer Prize for her investigative reporting that produced multiple news articles examining Florida’s murky property insurance system vital to Florida’s property owners. Ms. St. John provided helpful data for consumers to evaluate their insurance company’s (and the industry) reliability, sustainability, and ultimately uncovered how State…
Our public adjuster offices settle many claims each month. Here is one written up by our Pittsburgh Public Adjuster, Mr. Zach Flora. It’s a good lesson about digging into the details and taking charge of your claim. On August 25th a Pittsburgh family of 3 were away enjoying a fun filled family vacation when they received…
Based on damage reports from our public adjuster staff who have set up an office in Panama City, there is no doubt this event will create insurance claim disputes unlike we’ve seen before. But first we want to commend the continued brave activities of the first responders and quick activities of the city officials. To…