Winter Storm Claim Activities Confirms Study that Shows a 50% Chance Your Property Insurance Company Will Fight You

Over the past few months, we have been helping businesses and homeowners try to settle their insurance claims from the extreme Winter Storm damage that has impacted enough property owners in Massachusetts and throughout the Northeast & New England area that this storm rivals the damage done by other major storms we have worked.  As we’ve seen with past major storms with widespread damage, it is very apparent that the insurance company’s are overwhelmed and they are desperately looking for assistance to service all their policyholders who have made claims for their property damage.  Similar to hurricanes, the carriers have enlisted the help of many independent adjusters who have made the trip from as far away as Arizona to help them make inspections, write repair estimates, and make field calls before turning their files in and heading back home.  The issue with this is that most of these independent adjusters are assigned so many claims that there are simply not enough hours in the day for these adjusters to conduct a thorough inspection of the damage and then spend adequate time behind the computer to write a detailed repair estimate.
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What you don’t know, you don’t know! Lessons learned from the 2015 Windstorm Insurance Network Conference

What you don’t know, you don’t know!  Lessons learned from the 2015 Windstorm Insurance Network Conference
The 2016 Windstorm Insurance Conference at the Roosevelt Hotel in New Orleans was a huge success with 850 in attendance. The annual event is all about the best of the best in the property insurance industry that volunteer their time to teach and educate attendees on the latest trends. As a side benefit, the networking with leaders in their field is incalculable. Unlike many other forums around the country, this is the only one I am aware of where you encounter three or four faculty in a workshop all representing a different perspective.  Got questions, ask the panel--no issue or questions are off limits.
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Understanding Your Property Insurance Coverage When you Have a Claim - A Simple Review Tool

The first thing many homeowners do when they experience a property loss is to dust off their insurance policy to see if they are covered. Quickly, they realize the complicated language property insurance policies can contain. It’s important to understand that the dynamics of a property loss are inseparable from the policy language when determining coverage. Even professionals can find interpreting policy language challenging. 
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Our Most Popular Property Insurance Claim Posts of the Year Part II

Our Most Popular Property Insurance Claim Posts of the Year Part II

In part 2 of our year in review, we learned from an Orlando couple that even the simplest property claim can quickly become complicated. We also got lots of reads on understanding what proof of loss is all about. Superstorm Sandy even reared its head again after we settled a 2 year battle to recover a fair settlement for a client. Life as a Public Insurance Adjuster never gets boring. Enjoy the rest of our popular claim posts.    

Got something you’d like us to write about next year? Let us know. A safe and Happy New Year to all!

Couple has Advice for Those Who Have Even the Simplest Insurance Claim

Proof of Loss Property Insurance Claim Requirements in Florida

Sandy Flood Claims Denied – Public Adjuster Wins Reversal 2 Years Later

Click to read more of the best posts of the year

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Proof of Loss Property Insurance Claim Requirements in Florida

A recent opinion of Florida’s Fourth District Court of Appeals involving a Hurricane Wilma homeowner’s claim has a rather startling decision, and not a good one for the policyholder side. The case Hunt v. State Farm highlights the need for policyholders to pay close attention to their claim, their insurance policy language and any communication they receive from their insurance company. This is particularly true given the results of this case on the requirement to file a proof of loss.
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Insurance Claim Preferred Vendors – A Growing Insurance Company Tactic

We want to thank Orlando public adjuster Brad Barrett for contributing this insurance claim blog.
When a policyholder experiences a loss, one of the first things they are supposed to do is contact the insurance company to report a claim. What we are being told by some policyholders, is that one of the first things some claims departments are doing is to instruct them not to speak with anyone (especially a Public Adjuster) and that they will be sending out their adjuster and their “approved” contractor to review the claim. This is a blatant effort to cut out public adjusters and independent restoration firms.

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Don’t Let Your Panhandle Flood Damage Insurance Claim Turn into an Insurance Claim Nightmare

Here are a few key tips to make sure your property damage claim doesn’t make a bad situation worse.

1.     Make sure your insurance company pays you first, not a roofing company or contractor. Never sign over your insurance payment to a 3rd party contractor.  See more insurance claim tips.

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What do you do when an insurance company exercises their right to repair?

This question was asked of us the other day and since it is rarely encountered in the everyday world of property insurance adjusting, I wanted to share it given our experience with “the option to repair tactic” that we’ve seen used by the insurance carriers. First, a little background on this controversial clause found in most property insurance policies.
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Association Boards - Update Your Knowledge Related to Property Insurance Claim Regulations

Association Boards - Update Your Knowledge Related to Property Insurance Claim Regulations
We exhibited at the Suncoast CAI CA Day in Tampa on Thursday getting up to date with Association Property Managers and Board Members. As we meet with Condo Boards about various claim situations, we continue to see Boards that have not updated their knowledge about laws enacted in 2013. If you’re on a Condo Board, please be aware of these changes and review section 718. 111(11) j of the Fl statue on what is or is not covered in a condo claim, that started July 1 2013.

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Policyholder Question on Lightning Damage to Apartment Building Units

Q. I own an apartment complex that got hit by lightning. It seems electronics in multiple units is randomly going out.  Does this make sense?  If I file a claim, it looks like it should have just hit one or 2 buildings instead of 8 or 9. Will I have trouble getting a proper settlement? Unfortunately, I just don't trust the insurance company. I had a fire once and they treated me like a crook. 

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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, Ft. Myers, 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