Upholding Claims Handling Practices to the Highest Standards is a Key to Solving Florida’s Insurance Crisis – Will the Florida Legislature Take Action?

Upholding Claims Handling Practices to  the Highest Standards is a Key to Solving Florida’s Insurance Crisis – Will the Florida Legislature Take Action?

Insurers slashed Hurricane Ian payouts far below damage estimates, documents and insiders reveal - The Washington Post

We all acknowledge there are good and bad actors in every industry. Unfortunately, we see these deplorable activities firsthand when policyholders call us frustrated after trying to settle their claim. I hope the Florida Legislature acts alongside the Department of Insurance and regulators to put oversight in place that will place severe consequences on individuals or companies preventing policyholders from getting a fair claims settlement. This is the type of oversight needed that can only help to stem the litigation crisis. Fortunately, most of those I interact with in the insurance claims industry are trying to do right by the policyholder. Let’s give the policyholders the freedom to pick and choose what resources they require to get a fair settlement.


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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?


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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


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Hurricane Nicole Will Complicate the Insurance Claim Environment

Hurricane Nicole Will Complicate the Insurance Claim Environment
As we continue to closely monitor Nicole, we wanted to provide you with a few updates.  As Florida learns 2022 midterm election results, undecided is how Nicole will impact insurance companies and how they treat policyholders. We are seeing a steady stream of denied and marginalized claim payouts keeping Ian victims from a fair claim recovery. Here’s what Nicole victims should expect looking beyond the center of the track:
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Hurricane Ian Policyholders Can Benefit from Lessons Learned after Superstorm Sandy

Hurricane Ian Policyholders Can Benefit from Lessons Learned after Superstorm Sandy
Every day, clients ask questions about the claims adjusting process. Recently, a client and retired home builder affected by Hurricane Ian asked me, how much insurance company adjusters make? I probed, “Why do you ask?” The response, “My insurance company has sent 5 different people to inspect my roof damage and the amount they're paying these people is probably more than the cost to replace my roof!”
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Public Adjuster Tips for Handling Your Hurricane Ian Flood Insurance Claim

Public Adjuster Tips for Handling Your Hurricane Ian Flood Insurance Claim
Hurricane Ian is producing all kinds of flood claim issues and conflicts with wind related water damage. National Flood seems to be responding well in some cases but others are frustrated and confused. We just received a $100K advance for one of our clients and we’ve seen some issuing $15K advance for contents and others $30K for buildings but with mortgage company names included.   We believe National Flood will waive the Proof of Loss requirement so look for an extension to the time frame. Also be very patient see what the City of Cape Coral is saying about homes flooded and built before 1981.
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Hurricane Ian Update From a Public Adjuster’s Perspective

Hurricane Ian Update From a Public Adjuster’s Perspective
Here is what we are seeing and advice on how property owners can handle and avoid potential problems with their flood and wind insurance claims.  As tremendous losses continue to mount, many recovering from Hurricane Ian are realizing their insurance companies are not paying policy limits for flood and wind claims, as reported by the Cape Coral Breeze in an article on October 14, 2022. Officials told a crowd of several dozen to stay persistent in working with National Flood insurance companies on getting reimbursement and compensation for work to repair homes, while other owners we have spoken to have already received denial letters. 
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Public Adjusters are Part of the Solution to Hurricane Ian Recovery

Public Adjusters are Part of the Solution to Hurricane Ian Recovery
A recent open letter from the National Association of Public Insurance Adjusters (NAPIA) stated: "Public insurance adjusters are experts in the claims adjustment process and are, along with attorneys, the only “licensed” profession that can help consumers by preparing, filing, and adjusting insurance claims. It is important to note that policyholders have the right to hire their own adjuster to assist them with the preparation of their claim.” In Florida, there are currently over 2,700 licensed and bonded Public Adjusters listed on the Department of Financial Services license search website. Not only are public adjusters already highly regulated by the state, but the national (NAPIA) and state (FAPIA) industry associations impose a high ethical standard on members. During Hurricane Michael and other storms, public adjusters were there to help policyholders when their insurance companies did not have the resources to respond in a timely manner. 
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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.   


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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