Hurricane Matthew Policyholder Question – Out of town policyholder filing a claim for a vacation home

by Charles R. Tutwiler on 11/23/2016
Hurricane Matthew Policyholder Question – Out of town policyholder filing a claim for a vacation home
Q. I have a vacation home near Daytona Beach that was damaged by Hurricane Matthew. Because I am in Kentucky, do I need to physically see the damage myself before calling my insurance company or can I go from pictures of my home from my neighbors?

A. If you have photos that show damages from Hurricane Matthew to your insured property, by all means report the loss to your insurance carrier as soon as possible. I would suggest you email the photos to the claim office.....click to read the rest of the answer.  


Read More
Filed Under: Tagged With:

Is Your Hurricane Matthew Mold Insurance Claim Covered?

by Charles R. Tutwiler on 11/11/2016
Is Your Hurricane Matthew Mold Insurance Claim Covered?
Those who experienced any type of water intrusion from Hurricane Matthew rain and flooding may experience mold infiltration. When claims are delayed and repairs put on hold, it can become a real problem as mold can grow unseen for months and create a serious health hazard. In the past, mold damage claims were covered under most property insurance policies when it resulted from a covered peril, such as a sudden plumbing leak, fire control, storm or other cause covered under your policy. However, some insurance carriers have been removing or scaling back mold coverage from their policy forms regardless if it results from a covered peril. In some instances, the insurance companies offer limited coverage for mold and fungus for an additional premium payment. 
Read More
Filed Under: Tagged With:

Hurricane Matthew Flood Victims Need to Understand the Nuances of Flood Insurance Claims

by Charles R. Tutwiler on 11/7/2016
Hurricane Matthew Flood Victims Need to Understand the Nuances of Flood Insurance Claims
Hurricane Matthew caused widespread flooding in St. Augustine, Jacksonville and other parts of the coast. For those who have flood insurance, we encourage you to review and pay close attention to your flood policy’s terms and conditions. The policies issued by the National Flood Insurance Program (NFIP) are unique because they fall under a Federal Government program with its own rules and regulations. Keep in mind that many private insurance companies resell and administer the NFIP policies so make sure you confirm if your flood policy falls under this program.
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