Hurricane Ian Homeowners No Match for Unethical Claim Practices. Public Adjuster Attains 1,101% New Money Settlement Hours Before Hiring Attorney

Hurricane Ian Homeowners No Match for Unethical Claim Practices. Public Adjuster Attains 1,101% New Money Settlement Hours Before Hiring Attorney

As numerous clients are in various stages of repairs their Hurricane Ian damaged properties, we would like to share one success story that underscores the invaluable role experienced public adjusters can play contributing to the stability of Florida's challenging insurance market. First, let’s look at an example of what has brought policyholders, claim professionals, state officials, and insurance executives to this point of frustration.


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How Policyholders Can Benefit from Hiring a Public Adjuster for Their Hurricane Sally Property Insurance Claim

How Policyholders Can Benefit from Hiring a Public Adjuster for Their Hurricane Sally Property Insurance Claim

Based on the volume of phone calls coming into our offices from Pensacola and surrounding counties, Florida Panhandle business and homeowners are quickly turning their attention to recovering from Hurricane Sally. With the one two punch of widespread flooding and property damage from CAT 2 winds, property owners unfamiliar with the process will be filing an insurance claim for the first time and possibly seeking assistance and advice for their property insurance damage claim. One of the most common questions we receive when calls come into our offices revolves around the benefits of hiring a Public Insurance Adjuster. It still amazes us that so many policyholders have not heard of our profession or understand what Public Adjusters do. So, in an attempt to educate and not blow our own horn, I’ll try to answer that question in hopes of giving readers a basic understanding of what Public Adjusters do and the critical role they can play in the insurance claims process.


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Hurricane Sally Insurance Claims – Some Commonsense Advice from an Experienced Insurance Adjuster

Hurricane Sally Insurance Claims – Some Commonsense Advice from an Experienced Insurance Adjuster

Many business owners and homeowners who experienced damage from Hurricane Sally, are just now being allowed back into areas that were deemed too dangerous to enter. Our thoughts are with all businesses and families affected by Hurricane Sally and the brave first responders risking their safety to assist others. Based on damage reports and our own public adjuster staff who are monitoring the situation, the combination of wind, water and flood damage will create some complicated insurance claim disputes. And if property damage wasn’t enough, the long-term loss of power has added misery to the mix. To deal with these perils, it behooves property owners to keep their eye on the ball or in this case the money. High percentage hurricane deductibles are likely to be applied and many folks may be surprised that despite their wind or hurricane coverage, they may be out of pocket for mitigation and replacement costs due to lack of flood coverage or exclusions for water - sewer back-up.


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Hurricane Sally Insurance Claim Questions? – We have the Answers!

Hurricane Sally Insurance Claim Questions? – We have the Answers!

As we continue to answer calls from countless past clients who suffered property damage during Hurricane Sally, initial loss and damage news reports appear conflicting.  According to a September 18, 2020 article published by the Insurance Journal, “Hurricane Sally is not expected to cause a major insurance loss - compared to events such as the ongoing wildfires in California, Oregon, and Washington, or Hurricane Laura.” However, the article explains “Flood Losses Expected to Be ‘Significant’ as the “the storm was more of a flood event.” For those suffering the aftereffects of Hurricane Sally, it’s extremely hard to draw a comparison given each catastrophic event is unique and not one property damage claim or insurance company is the same. Simply put, the facts and circumstances are a case-by-case basis as confirmed by the numerous community associations and past clients we spoke with.


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Reflections from the 2018 Windstorm Insurance Network Inc. Conference

This year’s “WIND” conference in Orlando, Florida marks the 18-year anniversary that folks from all over the U.S. have gathered to network, learn, and in many instances, conduct settlement talks on active cases to resolve issues involving wind losses and other perils covered by property insurance. Without a doubt, this conference was very successful and well attended with a reported headcount of around a thousand professionals from various disciplines. However, I was somewhat surprised the attendance was not greater given what happened during the 2017 hurricane season. 


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Is Hurricane Irma Boat Dock Damage a Covered Insurance Claim?

Is Hurricane Irma Boat Dock Damage a Covered Insurance Claim?

We are getting a number of inquiries from policyholders regarding damages to docks, piers and other manmade structures built over or close to the water as a result of Hurricane Irma.  Based on personal observations, Hurricane Irma caused unprecedented damage to coastal area structures from wind, water and in some cases, collapse and subsidence which were holding up seawalls and bulkheads. So what’s deal?  Are the docks, piers, seawalls, etc., covered by property insurance policies? 


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Hurricane Irma Roof Damage - Repair or Replace?

Hurricane Irma Roof Damage - Repair or Replace?

As property owners with insurance claims resulting from Hurricane Irma start to receive settlement offers from their insurance company, our public insurance adjusters continue to field calls and questions from people still struggling through the insurance claims process. One question that frequently comes up involves how much roof damage there must be for the entire roof to be replaced.


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Will Your Hurricane Irma Insurance Claim Offer be Sufficient to Cover Repair Estimates?

Will Your Hurricane Irma Insurance Claim Offer be Sufficient to Cover Repair Estimates?

As policyholders begin to hear back from their insurance company, many will learn that the amount offered by their respective insurer is not sufficient to pay for their complete loss and damages. Some may even learn part of their claim is denied. Specifically, as the demand for qualified construction workers, roofers, and building materials increase, so do the associated costs. This “supply and demand effect” will undoubtedly continue to impact those who sustained damage in a negative way for some time. 


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The initial insurance claim inspection process and what happens to your Hurricane Irma claim once the adjuster leaves

The initial insurance claim inspection process and what happens to your Hurricane Irma claim once the adjuster leaves

Many people might be surprised that having an adjuster look at your claim is only the beginning of the insurance claim process. Remember, the field adjuster that inspected your property may not be an employee of the insurance company. They are typically independent adjusters on contract and typically are paid a set fee or percentage for each claim they handle. This is especially true during disaster situations Like Hurricane Irma when there are so many claims to adjust, there is a shortage of qualified adjusters and they are hard pressed to get to as many claims as possible. You should ask them what firm they are with when they come to inspect your property and note how thorough they are recording your damage and if they are “listening” to you.  


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Why Policyholders Can Benefit from Hiring a Public Adjuster for Their Hurricane Irma Property Insurance Claim

Why Policyholders Can Benefit from Hiring a Public Adjuster for Their Hurricane Irma Property Insurance Claim

Based on the volume of phone calls coming into our offices, Florida business and homeowners are quickly turning their attention to recovering from Hurricane Irma. With widespread property damage, many property owners, unfamiliar with the process will be filing an insurance claim for the first time and possibly seeking assistance and advice for their property insurance damage claim. One of the most common questions we receive when calls come into our offices revolves around the benefits of hiring a public insurance adjuster. It still amazes us that so many policyholders have not heard of our profession or understand what public adjusters do. So in an attempt to educate and not blow our own horn, I’ll try to answer that question in hopes of giving readers a basic understanding of the benefits of hiring a public adjuster and the role they play in the insurance claims process.   


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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