ABC Action News Explains Florida’s Property Insurance Disaster

ABC Action News Explains Florida’s Property Insurance Disaster

Congratulations to ABC Action News ITeam reporters for clearly explaining the state of Florida’s Property Insurance situation in their Florida Insurance Disaster show. There are still home and business owners battling their insurance companies trying to rebuild. While we applaud Florida’s My Safe Florida Home Program and the recent fine of an insurer not complying with claim regulations during Hurricane Ian, much more can be done to give policyholders an avenue to resolve disputes, hold unresponsive insurers accountable and require insurers have the financial staying power to withstand the serious storms that will come. Follow ABC’s continuing coverage of the Insurance Crisis in Florida.  


Read More

Hurricane Ian One Year Later: Policyholders Await Justice Amidst a Storm of Bureaucracy

Hurricane Ian One Year Later: Policyholders Await Justice Amidst a Storm of Bureaucracy
It's been a year since Hurricane Ian unleashed its fury on Florida, battering both coastlines and wreaking havoc on agricultural and urban areas in between.  An event that should have subsided in its aftermath has instead metamorphosed into a year-long saga of pain, resistance, and a battle for policyholder insurance claim justice as countless victims remain ensnared in an unnatural whirlwind: the struggle for fair compensation and treatment in the claim adjustment process.  
Read More

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

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. 
Read More

The Florida Insurance Crisis and Hurricane Ian – This isn't Getting Better

The Florida Insurance Crisis and Hurricane Ian – This isn't Getting Better
Last year, we saw one of the most destructive storms in the history of the state with Hurricane Ian. This year, we are witnessing just how severe the lack of oversight is, in regard to regulating property insurance carriers’ financial integrity as well as making them accountable for their claims handling schemes. If the regulators pursued carrier misbehavior with as much vigor as they do policing attorneys, public adjusters and contractors, we might see a better environment for Florida policyholders
Read More

Florida’s Property Insurance Policyholder – Still in Crisis

Florida’s Property Insurance Policyholder – Still in Crisis

With yet another Special Session beginning this week and a new legislative session beginning in March, Florida Legislators will soon be faced with some unexpected consequences, from new changes to the state’s insurance laws, that were passed by the Florida Legislature in May and December along with other pro-insurance reforms. There’s also, more work that needs to be done.


Read More

Tampa public adjuster weighs-in on property insurance special session

Tampa public adjuster weighs-in on property insurance special session

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?


Read More

Insurance Carriers Create Policyholder Recovery Issues with Poor Claims Practices

Let’s hope the FL legislators take a hard look at the sloppy claims practices and delay tactics that are hindering Hurricane Ian recovery during the special session on insurance reform next week. Insurance carriers and their claims departments should be put under the same scrutiny as Public Adjusters and Attorneys. Maybe if the carriers start getting fined they will treat their policyholders more fairly rather than trying to save a buck. Unfortunately, this is not an isolated case based on our experience. https://www.abcactionnews.com/news/state/hurricane-ian-victims-struggling-with-insurance-claim-payouts-seek-help-from-public-adjusters


Read More

In the Wake of Hurricane Ian, Florida’s Public Servants Need to be Claim Smart and Shift Focus to Florida Policyholders

In the Wake of Hurricane Ian, Florida’s Public Servants Need to be Claim Smart and Shift Focus to Florida Policyholders

Hurricane Ian is going to be a long hard insurance claim tragedy for Florida homeowners and businesses alike given the state of the insurance industry. Here’s what’s next for policyholder insurance claims, the adjustment process, and how industry consultants can help bring everyone together.   


Read More

Florida Property Insurance Reform – Who is This Session For?

Florida Property Insurance Reform – Who is This Session For?

While it’s troubling to watch FL residents suffer soaring rate increases, I’m still hoping some meaningful legislation will be passed that will “immediately” impact rates and help property holders. The frustrating part is the partisan politicians who turn a blind eye when good amendments are put forward that could easily provide some rate relief. Just watch the consumer-friendly amendments laid out by Senator Gary Farmer who very eloquently explains the insurance shell game.  

Start at 1:57:30 - https://thefloridachannel.org/videos/5-24-22-senate-session-part-1/


Read More

Florida Legislators Must Be Mindful Fixing the Homeowners’ Insurance Crisis - Don't Throw the Baby Out with the Bathwater

Florida Legislators Must Be Mindful Fixing the Homeowners’ Insurance Crisis - Don't Throw the Baby Out with the Bathwater

Every year, the insurance lobby tells us insurance companies are losing money, yet lawmakers pass laws and reforms stripping consumers' rights, permitting insurers to delay legitimate claims, and implementing preferred contractor network repair programs that enrich contractors working for insurance companies, rather than insurers indemnifying homeowners for their claims. Additionally, there has not been any real and demonstrative evidence lawmakers can show to support how laws and reforms enacted last year have been protective. All things considered; I am not seeing any financial relief forthcoming for homeowners, especially given the many proposed expansions to the upcoming special legislative session. 


Read More


"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.

Tags

#HurricaneSally#law and ordinanceActual Cash ValueAdditional Living Expensesadjuster licensingAdjuster Michael PlattsApartment DamageAppraisalAssignment of BenefitsBad FaithBahamas AdjusterBankBest Public Adjusterblack waterBusiness Interruptioncar crash into buildingCaribbean Public AdjusterCatastrophe InsuranceCeiling CollapseChattanooga tornadoCitizens Insuranceclaim delayclaim denialClaim Paymentclaim settlementclaimsClaims AdjusterClaims Tipscollapse claimCommercial ClaimCondo associationsCondominium ClaimsContents DamageContractor EstimatesCovid ClaimDamage AssessmentDeductibledenied claimDepartment of Financial ServicesDepreciationDisaster Planningdock damagedorian adjusterElectrical damageelectrical fireFEMA FloodFIGAFirefire claimsFloodflood adjusterFlood claimFlood DamageFlood DamageFlood Damage RestorationFlood FilingFlood InsurancefloodadjusterFlorida Property InsuranceFlorida public adjusterfrank fortsonfrozen gutterfrozen pipesHail Damagehome Inventory ValuationHurricanehurricane claimsHurricane DamageHurricane DorianHurricane EtaHurricane FlorenceHurricane HarveyHurricane HenriHurricane HermineHurricane IanHurricane IdaHurricane IdaliaHurricane IrmaHurricane LauraHurricane MatthewHurricane MichaelHurricane NicoleHurricane SallyHurricane Season 2018ice damageice damsindependent adjusterInspectionInsuranceInsurance AdjusterInsurance ClaimInsurance Claim TipsInsurance ClaimsInsurance CoverageInsurance LitigationInsurance Rate IncreasesInsurance Reforminsurance settlementinsurance umpirelasthousestandinglaw & ordinanceLightning Damageloss adjusterLoss Assessormanaged repairMediationMike StabileMoldMold DamageMortgageNashville adjusterNashville public adjusterNashville StrongNashville tornadoNatural DisastersNFIPNick ChaseNorth Carolina AdjusterOrlando Public Adjusteroverhead & profitPanama City Public AdjusterPanhandle FloodingPensacola public adjusterPinellas TornadoPipe Burstpipe leakPittsburgh Claims AdjusterPittsburgh loss adjusterPittsburgh Public AdjusterPittsburgh tornadoplumbing leakpollution claimPower Outage Insurance ClaimPreferred ContractorsPreLossPrivate Adjusterproof of lossProperty Damageproperty damage adjusterproperty insurance appraisalProperty Insurance ClaimProperty Insurance RatesPublic AdjusterRepairsresort insurance claimRestorationrestoration contractorRick TutwilerRoofRoof DamageRoof InspectionRoof RepairRoof ReplacementSandy FloodSettlement CheckSewer Back-upSewer DamageShower leakSinkholeSinkhole AdjusterSinkhole ClaimSinkhole Damagesmoke damageSouth Carolina AdjusterSt. Augustine public adjusterStorm Damagestructural damagesubrogationSuperstorm SandySurplus Lines InsuranceTampa Public AdjusterTampa Tornadotemporary housingTennessee adjusterTexas Public AdjusterTheftThird PartyTornadoTornado adjusterTornado ClaimsTornado DamageTornado HelpTropical Storm ElsaUmpireunattended death claimVacation Home Damage ClaimVandalismWaterWater DamageWater LeakWINDwind damagewindstorm insuranceWindstorm insurance networkwinter stormZachary Flora

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