Citizens Insurance putting limits on water losses

Citizens Insurance putting limits on water losses

Citizens has changed the coverage in their policies for non-weather water losses. Now the limit is $10,000 unless you use one of their managed repair companies. Unfortunately, AOB abuse and the resulting spike in litigation have prompted these restrictions further putting the insured at risk and lessening the value of their coverage. Keep in mind that there will still be older policies out there that have not changed based on renewal dates. But going forward be aware of this limit for water losses with Citizens.

Also note that Citizens aggressively pursues questionable water losses. If you are a policyholder, make sure your claim is legit and don’t be pushed into a claim by an overly aggressive restoration company or public adjuster.

https://www.citizensfla.com/documents/20702/10091213/20190612+08B+SIU+Cases+of+Interest.pdf/dfac956d-e86f-4fd0-92d6-96081d69ed2f


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Citizens continues to put $$ into defense lawyers coffers while losing $12.7 million sinkhole verdict

Citizens continues to put $$ into defense lawyers coffers while losing $12.7 million sinkhole verdict

Citizens Insurance is spending tons of policyholder premiums to pay its lawyer friends to fight these claims it clearly should be covering!! Citizens hit with a $12.7 million verdict, acted in monumental bad faith and as a result 500 people who own property in this community continue to suffer from a claim that has languished since 2007. It makes me wonder who is running this company, management or the attorneys?


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What Happens When The Insurance Company Can’t Pay Your Property Claim?

As public adjusters, we typically focus on helping our clients get a fair settlement for their claim based on the insurance policy in place. However, a recent article Yet another costly mistake Florida has made about homeonwers insurance points out that 8 years into a long period of no major storms in Florida, we continue to see some insurance companies going under.
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Public Adjuster Helps Family Win 3 Year Battle with Citizens On Fire Claim

Public Adjuster Helps Family Win 3 Year Battle with Citizens On Fire Claim

As we've reported to you on this blog, Citizens Insurance of Florida is allow by the legislature to play by different rules. For example, they are exempt from bad faith laws that other private insurance companies must follow. That sometimes means it allows them to act in ways that are not in the best interest of the property insurance policyholder. What is perplexing is that if private insurance companies acted in this manner, they would be subject to sanctions, fines and legal action.


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The Unlicensed Practice of Public Adjusting, the Insurance Claims Keep Rolling In

You can bet at any gathering of a group of Florida licensed public adjusters, the conversation will start off with the question of how many Florida public adjusters currently exist. No question about it, Florida saw an explosion in the ranks of the public adjusting profession since the big four storms of 2004, as compared to the historical record.  And this does not include the hundreds of non-resident licensed public adjusters who fly into this State to solicit and handle claims.  In the past few years however, the actual number of in-state licensed public adjusters has started a precipitous decline because of several factors.


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Our 2014 Public Adjuster Wish List for the Property Insurance Market

It’s been an eventful year for public adjusters and the insurance claims industry. So I want to share my 2014 News Year’s Wish List for the property insurance industry.

  1. I wish Congress would fix the Biggert-Waters 2012 National Flood Insurance Reform Act. This extremely ill-conceived act of Congress is causing great harm to homeowners all across this country. Remember, an affordability study was supposed to have been commissioned with this legislation but is now two years away according to some accounts in the media. Meanwhile, policyholders who have been in their homes for years (and I am not just talking about high priced homeowners) are hurting because of premium increases and no buyers for their property. Shame on Congress for this!

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“Grout in the Ground” the New Citizens Proposal for Florida’s Sinkhole Malaise-- WATCH OUT

Citizens floats a sinkhole fix was the headline in the Tampa Bay Times article that ran in the paper on 12/11/2013.

The article says letters will go out to “current and potentially future litigants this week that offered to pay for repairs.”  This program, which we reported on in one of our previous blogs, has been in the works for some time when it was passed out of a Citizens claim committee and sent to the full board for approval.  So based on the Times article, Citizens’ board must have approved it.


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The Liability of Fixing Sinkholes

If you have been following the news media lately, particularly the print media then no doubt you have read a number of stories about sinkholes and the remediation method that homeowners are fighting with their insurance companies about. The Dunedin story has fanned the flames of this issue big time and laser focused some interesting issues the average property owner is probably not aware of.
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Sinkholes, Property Insurance, the Option to Repair and Assignments of Insurance Benefits….Watch out!

A recent media article following the new catastrophic sinkhole loss in Dunedin, Florida caught my attention the other day as it looks like we have two forces on a collision path. And wouldn’t you know that the poor insured policyholder is caught in the middle.


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Public Adjuster Offers Further Comments on Florida Sinkhole Insurance

Public adjuster Keith Grams of Tutwiler & Associates was recently interviewed by WFLA and NBC News about sinkhole insurance repair issues. He offers further comments regarding concerns about the direction the insurance companies and legislature are taking.


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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