Policyholder Question on Flooded Basement Insurance Claim

by Charles R. Tutwiler on 11/11/2013

Q. The city where we live experienced a ten inch water main break that flooded our basement with 4 ft. of water. We hired a public adjuster 10 days ago. Now they are backing out saying there are limitations to what they can do. Should we go with the city's insurance? Should we find out what limitations there are with our homeowners policy?

Filed Under:

Tagged With:

Policyholder Question on Sewer Back-up Third Party Claim

by Charles R. Tutwiler on 10/16/2013

Here’s a question I was asked to answer on the United Policyholders website:
Q. My home was contaminated by sewer on May 7 and again on May 22 this year by a prime contractor hired by a state municipality MSD Metropolitan sewer District here in Asheville North Carolina. From what I understand, this is a third-party claim. The insurance company has done absolutely nothing to help me. I have been dealing with this for the last four months with pretty much no progress until this past week. They sent their first offer on Friday which is not close to reality. Is this considered a third-party claim? I have a copy of the pollution liability policy and it does not say anything about how it will replace my contents, actual cash value or replacement cost, nor does it say anything about provisions for Additional Living Expenses. Is there a possibility that is in a different policy? I just had an environmental company do some sampling for mold and other airborne fungi to be sure this has not spread in other parts of the house because it's been so long with no cleanup and decontamination. I’d like to know if any of your professionals have experience dealing with third-party claims and sewer damage and mold contamination.
Read More

Filed Under:

Tagged With:

Subscribe by email:

"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.

Categories

Tags

#HurricaneSally #law and ordinance Actual Cash Value Additional Living Expenses adjuster licensing Adjuster Michael Platts Apartment Damage Appraisal Assignment of Benefits Bad Faith Bahamas Adjuster Bank Best Public Adjuster black water Business Interruption car crash into building Caribbean Public Adjuster Catastrophe Insurance Ceiling Collapse Chattanooga tornado Citizens Insurance claim delay claim denial Claim Payment claim settlement claims Claims Adjuster Claims Tips collapse claim Commercial Claim Condo associations Condominium Claims Contents Damage Contractor Estimates Covid Claim Damage Assessment Deductible denied claim Department of Financial Services Depreciation Disaster Planning dock damage dorian adjuster Electrical damage electrical fire FEMA Flood FIGA Fire fire claims Flood flood adjuster Flood claim Flood Damage Flood Damage Flood Damage Restoration Flood Filing Flood Insurance floodadjuster Florida Property Insurance Florida public adjuster frank fortson frozen gutter frozen pipes Hail Damage home Inventory Valuation Hurricane hurricane claims Hurricane Damage Hurricane Dorian Hurricane Eta Hurricane Florence Hurricane Harvey Hurricane Henri Hurricane Hermine Hurricane Ian Hurricane Ida Hurricane Idalia Hurricane Irma Hurricane Laura Hurricane Matthew Hurricane Michael Hurricane Nicole Hurricane Sally Hurricane Season 2018 ice damage ice dams independent adjuster Inspection Insurance Insurance Adjuster Insurance Claim Insurance Claim Tips Insurance Claims Insurance Coverage Insurance Litigation Insurance Rate Increases Insurance Reform insurance settlement insurance umpire lasthousestanding law & ordinance Lightning Damage loss adjuster Loss Assessor managed repair Mediation Mike Stabile Mold Mold Damage Mortgage Nashville adjuster Nashville public adjuster Nashville Strong Nashville tornado Natural Disasters NFIP Nick Chase North Carolina Adjuster Orlando Public Adjuster overhead & profit Panama City Public Adjuster Panhandle Flooding Pensacola public adjuster Pinellas Tornado Pipe Burst pipe leak Pittsburgh Claims Adjuster Pittsburgh loss adjuster Pittsburgh Public Adjuster Pittsburgh tornado plumbing leak pollution claim Power Outage Insurance Claim Preferred Contractors PreLoss Private Adjuster proof of loss Property Damage property damage adjuster property insurance appraisal Property Insurance Claim Property Insurance Rates Public Adjuster Repairs resort insurance claim Restoration restoration contractor Rick Tutwiler Roof Roof Damage Roof Inspection Roof Repair Roof Replacement Sandy Flood Settlement Check Sewer Back-up Sewer Damage Shower leak Sinkhole Sinkhole Adjuster Sinkhole Claim Sinkhole Damage smoke damage South Carolina Adjuster St. Augustine public adjuster Storm Damage structural damage subrogation Superstorm Sandy Surplus Lines Insurance Tampa Public Adjuster Tampa Tornado temporary housing Tennessee adjuster Texas Public Adjuster Theft Third Party Tornado Tornado adjuster Tornado Claims Tornado Damage Tornado Help Tropical Storm Elsa Umpire unattended death claim Vacation Home Damage Claim Vandalism Water Water Damage Water Leak WIND wind damage windstorm insurance Windstorm insurance network winter storm Zachary Flora

Public Adjuster Services

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

NAPIA FAPIA UPH

TAMPA | ORLANDO | PALM CITY | DALLAS | NASHVILLE | PITTSBURGH

Tutwiler & Associates Public Adjusters, Inc. strives to provide an accessible experience for users of all abilities. If you encounter any inaccessible features or difficulties using this website, please contact us via email or call us toll free at 800-321-4488 to notify us or request the information in an alternative means. Our goal is to increase the accessibility and usability of our website to everyone.

Charles R. Tutwiler & Associates Inc. is licensed in the states of Florida, Georgia, Kentucky, Louisiana, Minnesota, Mississippi, North Carolina, New Jersey, New York, Pennsylvania, Pittsburgh, Rhode Island, South Carolina, Tennessee, Texas, Virginia, West Virginia, and the U.S. Virgin Islands, with primary offices in Tampa, Orlando, Hollywood, Palm City, Florida; Dallas, Texas and Pittsburgh, Pennsylvania. Tutwiler handles both commercial and residential property insurance damage claims. Our primary clients include: homeowners, condominium & homeowner associations, apartment complexes, business & industrial concerns of all sizes, hotel, resort, hospital, municipal government, college and university disaster claims. Call Tutwiler for a free claims review at 800-321-4488, or simply request a quote using our quick claim quote form.

Copyright © 2011-2024 Tutwiler & Associates Public Adjusters, Inc. : Terms Of Use : Privacy Statement