Internal Carrier Guidance… A Balanced Approach Forward or Another Gaping Hole in the Safety Net?

Internal Carrier Guidance… A Balanced Approach Forward or Another Gaping Hole in the Safety Net?

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…

From Collaboration to Action: The Impact of the WIND 2025 Westward Expansion: 'Alright, Alright, Alright!'

From Collaboration to Action: The Impact of the WIND 2025 Westward Expansion: ‘Alright, Alright, Alright!’

Church is out, and we’ve howdied and shook our way through Dallas—officially wrapping up the 2025 Annual Windstorm Insurance Conference in true Texas fashion! They say everything’s bigger in Texas, and this year’s conference proved it. With 740 attendees, 60 exhibitors, non-profits, and key stakeholders gathering in the Lone Star State, WIND 2025 once again…

FEMA 50% Rule: Rising Above Challenges and Learning from the Past—What’s the Real Story?

FEMA 50% Rule: Rising Above Challenges and Learning from the Past—What’s the Real Story?

The 2024 Florida hurricane season year has been exceptionally busy and deeply impactful. Especially for those of us in the Tampa Bay region. For many, the effects are devastatingly real; for others, recovery has just begun. Tragically, some communities face complete replacement, leaving scars that may never heal. Writing this, I feel compelled to acknowledge…

Public Adjuster Rick Tutwiler Talks With CFO and Chief of Insurance Assistance Division of Consumer Services Following Hurricane Helene

Public Adjuster Rick Tutwiler Talks With CFO and Chief of Insurance Assistance Division of Consumer Services Following Hurricane Helene

It was a humbling experience meeting with Florida CFO Jimmy Patronis today at the ‘Insurance Village’ in Clearwater, established for Bay Area residents impacted by Hurricane Helene. As Florida’s Chief Financial Officer, Patronis was on-site offering much-needed reassurance to homeowners who lost everything, providing guidance, and outlining steps for relief. During our conversation, we addressed…

40 Years of Contributing to the Public Adjusting Profession

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 Undeniable Value of Hiring a Licensed Professional Public Insurance Adjuster for Commercial Claims

The Undeniable Value of Hiring a Licensed Professional Public Insurance Adjuster for Commercial Claims

When disaster strikes, such as the devastating impact of Hurricane Ian, 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…

Hurricane Ian Homeowners No Match for Unethical Claim Practices. Public Adjuster Attains 1,101% New Money Settlement Hours Before Hiring Attorney

Hurricane Ian Homeowners No Match for Unethical Claim Practices. Public Adjuster Attains 1,101% New Money Settlement Hours Before Hiring Attorney

As numerous clients are in various stages of repairs their Hurricane Ian damaged properties, we would like to share one success story that underscores the invaluable role experienced public adjusters can play contributing to the stability of Florida’s challenging insurance market. First, let’s look at an example of what has brought policyholders, claim professionals, state…