A four-page unsolicited letter I received last week from an attorney filled me in on some of the inner workings of the powers to be in Tallahassee and reminded me of this famous line from the Forrest Gump movie. This letter was like a box of chocolates as each paragraph revealed something new. Apparently, he has been following some of my writings, specifically about the reduction in coverage for the  water peril, the most frequent cause of losses for property damage and wanted to give me some background on how this all went down. 

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Today’s NPR article: Overhaul Of A FEMA Program Has Homeowners Calling Congress discusses the dire consequences new FEMA flood maps in conjunction with the newly implemented NFIP flood insurance rates is having. An issue not talked about is the requirement for communities who opted into the flood coverage program to follow the mitigation requirements established by FEMA/NFIP, which are strictly enforced. So new construction or substantially remodeled homes must comply with the newly revised flood map elevation height requirements.
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We exhibited at the Suncoast CAI CA Day in Tampa on Thursday getting up to date with Association Property Managers and Board Members. As we meet with Condo Boards about various claim situations, we continue to see Boards that have not updated their knowledge about laws enacted in 2013. If you’re on a Condo Board, please be aware of these changes and review section 718. 111(11) j of the Fl statue on what is or is not covered in a condo claim, that started July 1 2013.


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As part of the national news coverage of the Dunedin, Florida sinkhole collapse, many questions were brought up about the laws governing sinkhole insurance coverage. It was apparent many homeowners and even some media were confused. As part of the coverage Tutwiler & Associates public adjuster Keith Grams was interview by NBC national news. We thank Keith for his contributions and have placed the entire interview below.

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Q. Could one choose to have a larger deductible on hurricane insurance? For example; a 20% or 30% deductible on a $100,000 home? What would be the savings as opposed to a 10% deductible?

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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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On September 11th last year, Rick and I flew to New York City for a planned meeting with Anderson Kill Loss Advisors, a group of the nation’s top public adjusters at the Manhattan law offices of Anderson Kill. The purpose of the meeting was to meet and discuss current events and future plans for this team of professional adjusters, whom we are proud to be a member.  Little did any of us know what would be coming a month and a half later. 
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The media is finally waking up to the major increase policyholders will see in their flood insurance policies. Our public adjusters are already seeing an impact on the insurance claims market. Here’s my take based on our assistance to Superstorm Sandy victims and our dealings with the NFIP over the years.

2.4 million Floridians live less than four feet above the high tide line along our coastal shores. Given the astonishing number of properties and people this represents, the cost prohibitive increases in the National Flood Insurance Program (NFIP) and the severe ramifications that will follow, deserve more attention and debate.

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