Understanding EML and PML: The Dilemma Facing Policyholders in Property Insurance

by Rick Tutwiler on 9/20/2023
Understanding EML and PML: The Dilemma Facing Policyholders in Property Insurance
Insurance is a cornerstone of risk management, especially when it comes to safeguarding valuable assets like property. However, the concepts of Estimated Maximum Loss (EML) and Probable/Possible Maximum Loss (PML) have been causing ripples of discontent among policyholders. Let's delve into what these terms mean and why they are becoming a concern, especially for commercial clients such as hotels and apartment complexes. 
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Natural Disasters--The Road Home and the Path Forward on Property Insurance….and Hopefully a Little Help from Our Political Friends

by Charles R. Tutwiler on 10/27/2013
With Super Storm Sandy’s anniversary at hand, not surprisingly, the national media is running a lot of stories on this Frankenstorm Halloween weather event. Having been there with our firm’s troops, we can bear witness to the awful devastation and impact on the communities and their residents lives from Sandy’s furry.
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Shrinking Citizens is a Double Edged Sword

by Charles R. Tutwiler on 9/28/2013

As pointed out in the recent Herald Tribune article: Citizens Poised to Further Cull Policies,  “Florida State insurance regulators are expected to approve the removal of nearly 600,000 Citizens customers from the state's largest property insurer, which now covers some 1.2 million policyholders,” and many Tallahassee politicians are celebrating.


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Citizens Insurance and the Decision the State is Making for You to Go With the “New” Takeout Insurance Companies – A Public Adjuster’s Perspective

by Charles R. Tutwiler on 9/16/2013

Almost daily we are reading in the print media about the push to depopulate Citizens Insurance Company, the State chartered (and for all practical purposes state run) insurance company. This insurance scheme was started to cover Florida homeowners when the big boys of the property insurance world cut and ran following some hurricane hits in the Sunshine State. Who would have thought that would happen given all the advertisements that were run in the 1970’s and 1980’s encouraging us to insure with whoever had the most money to spend on an advertising campaign.


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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, 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