Florida Panhandle Flood Victims without Flood Insurance Still Have Options

by Charles R. Tutwiler on 5/6/2014

Watching some of the video clips posted on the Pensacola News Journal website that shows the extensive flood damage in Pensacola, Destin, Ft. Walton Beach and surrounding areas, I was reminded of the thousands of homes flooded in Super Storm Sandy and the insurance claims that ensued. The one common denominator both events share is the large amount of debris piled up in the front yards of neighborhoods. Those piles of personal property, drywall and other interior building components are the tell-tale signs of flood damage.  Looking at the homes and buildings from the street or from the air in a lot of cases would not reveal the extent of damage as roofs, windows, and exterior building cladding were still intact.


Read More
Filed Under:
    Tagged With:

    Florida Panhandle Flood and Tornado Victims Need to Educate Themselves About Restoration Work

    by Charles R. Tutwiler on 4/29/2014
    Based on reports, homeowners and businesses in the Florida Panhandle (including Pensacola and Destin and much of the Southeast) are dealing with serious flood and water damage from the recent storms. Once local authorities give the all clear, your property has been inspected and it’s safe to return, mitigation efforts should be started. If insured for the loss, you will find most insurance policies have a requirement that you take reasonable and necessary measures to protect and preserve your property from further damage. This can be a difficult and challenging undertaking that require decisions often involving a great deal of money at a time when your insurance adjuster may not have seen your loss or given the OK to start the dry-out or restoration process. If possible have the restoration company give you the scope of work and pricing in writing and then give it to the adjuster assigned to your loss from the insurance company for their approval. If possible, schedule a meeting at the site with all parties present. While this may not be practical given the scope and size of a storm, it leaves nothing to chance.

    Read More
    Filed Under: Tagged With:


    "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 ordinance50% ruleActual Cash ValueAdditional Living Expensesadjuster licensingAdjuster Michael PlattsApartment DamageAppraisalAssignment of BenefitsBad FaithBahamas AdjusterBankBest Public Adjusterblack waterBuilt to LastBusiness Interruptioncar crash into buildingCaribbean Public AdjusterCatastrophe InsuranceCeiling CollapseChattanooga tornadoCitizens Insuranceclaimclaim delayclaim denialClaim Paymentclaim settlementclaimsClaims AdjusterClaims Tipscollapse claimCommercial ClaimCommunity SupportCondo associationsCondominium ClaimsConsumer ProtectionContents 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 ValuationHomewowners be AwareHurricanehurricane claimsHurricane DamageHurricane DebbyHurricane DorianHurricane EtaHurricane FlorenceHurricane HarveyHurricane HeleneHurricane HenriHurricane HermineHurricane IanHurricane IdaHurricane IdaliaHurricane IrmaHurricane LauraHurricane MatthewHurricane MichaelHurricane MiltonHurricane NicoleHurricane SallyHurricane Season 2018ice damageice damsindependent adjusterInspectionInsuranceInsurance AdjusterInsurance ClaimInsurance Claim TipsInsurance ClaimsInsurance CoverageInsurance LitigationInsurance PolicyInsurance Rate IncreasesInsurance RecoveryInsurance Reforminsurance settlementinsurance umpireJean Eagleshamlasthousestandinglaw & 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 leakPolicyholders Firstpollution 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 FloodSarasota Public AdjusterSettlement 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 AdjusterThe Last House StandingTheftThird 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, 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