On Property Insurance Claim Tips Blog

Hurricane Season 2016 – Increased Threat Forecast

Hurricane Season 2016 – Increased Threat Forecast

If not here, then where? Not to be an alarmist but I assume most folks who pay attention to the weather folks as well as the local and national news likely would not have missed the most recent update from NOAA on their forecast for the balance of this year’s hurricane season. Yes, the tropical storms count just went up, as it seems a number of factors that are monitored and used to help weather experts calculate risk exposure from tropical storms are causing concerns in that the balance of this season will be more active in terms of tropical storms as well as the potential for one or more major hurricanes. All this begs the question: Will landfall occur causing damages not seen in Florida since 2005?

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The Benefits of Pre-Loss Property Insurance Claim Preparation and Disaster Planning

The Benefits of Pre-Loss Property Insurance Claim Preparation and Disaster Planning

Some of our most savvy clients understand just how important it is to have an experienced Public Adjuster on their team even before a property loss occurs.  Some of our clients have been extremely fortunate to never have sustained a property loss but have nonetheless educated themselves to prepare or have heard the horror stories of others who have endured the insurance claim process. At Tutwiler & Associates Public Adjusters, we’ve created a program just for this purpose called: Disaster First Recovery Services

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Support United Policyholders

Support United Policyholders
One group we would like all our professional colleagues to be aware of is United Policyholders, a non-profit organization whose mission is to educate and advocate for property insurance policyholders. Whenever there is a major weather or disaster event, like the recent California wild fires, they are there to answer questions and lend a hand with disaster recovery assistance. We are proud to be a Platinum Sponsor and welcome the opportunity to be part of the expert panel that helps to answer policyholder questions. We urge all of our colleagues to consider helping this organization, so they can do more to educate and protect policyholders. Read More
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Windstorm Forecasting - National Hurricane Center predictions with Tropical Storm Erika drawing criticism

Windstorm Forecasting - National Hurricane Center predictions with Tropical Storm Erika drawing criticism

An excellent Tampa Bay Times article, Did the National Hurricane Center Flub Erika? aired some of the discord between the National Hurricane Center folks and others, some of whom are well-respected meteorologists.  The chief complaint seems to be that the reported track of the storm varied considerably as Erika moved up from the Caribbean. As a result, this may have eroded the public’s confidence in future NHC modeling and predictions not to mention set in motion a lot of costly emergency plans. When the Governor declares a state of emergency, things happen, costs are incurred and people’s lives are disrupted.  I suspect we may hear about the actual economic cost businesses and governments, state and local, incur when a state of emergency is declared.  If not published, I hope some enterprising reporter will dig this information out as it is news the public needs to know and should be out in the public domain. 

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Winter Storm Juno is Over – Get Ready for the Insurance Claims

Winter Storm Juno is Over – Get Ready for the Insurance Claims
While it seems most of the New York and New Jersey areas escaped major damage from the blizzard, folks in New England weren’t so lucky. We’re seeing reports of major flooding, coastal property damage, frozen pipe bursts and roof collapses from all the heavy snow will continue.  A couple of good articles that were just published Policyholders would be wise to read the articles below that were just published and offer tips on how to better navigate the insurance claims process. Read More

Winter Storm Juno and the Insurance Claims to Come

Winter Storm Juno and the Insurance Claims to Come
Listening to the weather wonks, it sure looks like Winter Storm Juno may be one for the record books. It may also be a notable one for the insurance industry with all the expected claims from water losses due to frozen pipe breaks, collapsed roofs due to heavy snow loads, and most unfortunately fires from faulty heating appliances and improper use of space heaters. Policyholders in New England, New York and New Jersey need to take notice.Read More

The end of hurricane season 2014 – Why to never let your guard down

The end of hurricane season 2014 – Why to never let your guard down
The end of November brings two significant events. The first is a full court press for the start of the holiday season and the second is the end of the official Atlantic hurricane season. Regarding the former let’s hope it is a good one. Things are looking good as the U.S. stock market continues its upward trajectory and despite reports from the financial sector that 25% of some of the world’s largest economies are in a recession, (some even facing deflation) the U.S. economy continues to grow with the additional good news of little threat of inflation for the homeland. And love those falling fuel prices! Read More

A Few Thoughts for Fire Prevention Week

Smoke from fire is like an anesthetic.  Rather than awakening you, it will put you into a deep sleep.  And a little known fact is that most fire deaths occur during the night, with most perishing due to smoke inhalation, not fire. A recent fire in Tampa where a mother and daughter perished due to smoke in an otherwise minimal fire is a perfect example.

 

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Severe Flood and Wind Damage Claims Pose Equal Threat to Bigger Hurricane Events

Given the severe localized flooding to parts of Southern and the east coast of Florida this past week due to heavy rains, it’s timely to point out that it only takes one storm to trigger a property insurance claim that can decimate your property value. It’s interesting to note a recent article that reviews worldwide property loss stats. While we haven’t had a large catastrophe event it points out that a larger group of smaller storms can still impact insurance rates and property values. Smaller losses, as we have seen in our practice, can still create time consuming claim complications. The time to identify your “claims team” is before you suffer your loss. Work with your insurance agent to fully understand the claims process. Then identify trusted public adjusters, restoration contractors, and yes even property insurance attorneys so you don’t fall upon the predatory few that will try to make a buck from your loss.  

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Public Adjusters are an important piece in solving the insurance claim puzzle

As public adjusters, we tend to see property damage resulting in an insurance claim sometimes well after the damage has been done and errors in filing and estimating the claim or just simple lack of documentation has occurred. Fortunately, policyholders can take a number of steps to protect their property claim. A recent article by Consumer Reports: Hurricane warning: Don’t let your house insurer blow you over states that “ the policyholder needs to stand tough and stand up to make sure you get everything you’re entitled to under your policy. They point out 10 ways to do that.

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