Licensed Public Adjusters often hold the keys to resolution — yet far too often, they’re the last line of defense for policyholders simply trying to level the playing field.When TPAs and licensed field adjusters are instructed not to write estimates unless explicitly authorized — while quiet exceptions are made for select insiders — we’re not just witnessing a lapse in oversight. We’re confronting perilous systemic failures that threatens the integrity of the entire claims process.

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We’re honored to be recognized with the Readers’ Choice Award from Florida Community Association Journal! 🎉
A heartfelt thank you to our clients, community association leaders, and industry peers for your trust and support. Your confidence in our team drives us to keep putting #PolicyHoldersFirst every day!
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Church is out, and we’ve howdied and shook our way through Dallas—officially wrapping up the 2025 Annual Windstorm Insurance Conference in true Texas fashion! They say everything’s bigger in Texas, and this year’s conference proved it. With 740 attendees, 60 exhibitors, non-profits, and key stakeholders gathering in the Lone Star State, WIND 2025 once again solidified its status as a must-attend event for professionals dedicated to advancing the windstorm and property insurance claims industry. From insightful discussions to thought-provoking workshops, the conference fostered a balanced exchange of perspectives—uniting all members with a common goal: driving meaningful improvements that benefit both industry professionals and the consumers we serve. 
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In Florida, this lack of awareness is especially apparent in the ongoing debate over FEMA’s 50% Rule — a crucial regulation for post-disaster rebuilding that has recently taken center stage in the media. Despite its long-standing significance in guiding recovery after major flood disasters, public awareness remains surprisingly low. What’s even more troubling is the persistent spread of misinformation, often repeated by community leaders, so-called experts, and local building officials. These inaccuracies, amplified by media coverage, lead to widespread misunderstanding, with many mistakenly assuming the rule applies uniformly across all communities. This confusion creates significant challenges for agencies and experts striving to provide clear guidance during critical times.
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I want to thank NBC reporter, Rob Wile for allowing me to contribute to his news piece: Insurance 'nightmare' unfolds for Florida homeowners after back-to-back hurricanes (nbcnews.com)   It brings to light something we’ve been blogging about for some time. Policyholders have been put in a precarious position at the worst time when it comes to putting their lives back together and upholding their insurance coverage.

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Harsher policy terms mean damages might not be covered Honored to have been asked to contribute to this article.

Jean Eaglesham is a topnotch reporter and very knowledgeable at all levels of the insurance industry. I suggest you follow her on the WSJ.

https://www.wsj.com/finance/homeowners-hit-by-helene-are-in-for-an-insurance-claim-shock-60ae5519?st=fpHroy&reflink=desktopwebshare_permalink

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It was a humbling experience meeting with Florida CFO Jimmy Patronis today at the 'Insurance Village' in Clearwater, established for Bay Area residents impacted by Hurricane Helene. As Florida’s Chief Financial Officer, Patronis was on-site offering much-needed reassurance to homeowners who lost everything, providing guidance, and outlining steps for relief. During our conversation, we addressed key issues policyholders were facing. I shared some of the common concerns I’ve been hearing, highlighting how a licensed public adjuster can make a real difference in navigating the claims process.
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Dick Tutwiler the Founder and Emeritus CEO of Tutwiler & Associates Public Adjusters was recently featured here on the Homeowners Be Aware podcast. During the interview, he provides some great insight into dealing with property insurance claims and some of the hurdles policyholders will face. If you have a favorite podcast platform, simply search "Homeowners Be Aware." The podcast can also be found on website: https://homeownersbeaware.com/  
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Congratulations to ABC Action News ITeam reporters for clearly explaining the state of Florida’s Property Insurance situation in their Florida Insurance Disaster show. There are still home and business owners battling their insurance companies trying to rebuild. While we applaud Florida’s My Safe Florida Home Program and the recent fine of an insurer not complying with claim regulations during Hurricane Ian, much more can be done to give policyholders an avenue to resolve disputes, hold unresponsive insurers accountable and require insurers have the financial staying power to withstand the serious storms that will come. Follow ABC’s continuing coverage of the Insurance Crisis in Florida.  

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It's been quite the whirlwind at Tutwiler & Associates! This year we are celebrating our 40^th Year Anniversary of putting policyholders first. This week, the Emeritus and Founder paid a visit to our office, sharing insights from his career in the professional public adjusting industry and invaluable insider knowledge acquired during his tenure at a major Insurance Company. From what I've gathered, the video company is doing a news piece diving deep into unraveling the complexities of insurance schemes in Florida along with the internal methods used in the claims settlement process between insurance companies and their policyholders.
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