Florida Insurance Deception: Déjà Vu for Policyholders? Buyer Beware

by Rick Tutwiler on 5/21/2025

Florida’s property insurance market remains in a state of perpetual crisis. For those of us paying attention, this isn't new – it's a frustrating rerun. Back in 2009, then-CFO Alex Sink bravely called out the misleading "spin" surrounding the private insurance market. We saved that editorial because it’s still painfully relevant today. Fast forward to May 2025, and the spin machine is running hotter than ever. Despite headlines touting "stability" and "reform," many of the same dangers are still lurking, and this time, they’re even harder to spot. With hurricane season starting June 1st, policyholders need to see past the noise and understand what's truly at stake.

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Additional Living Expenses Explained for Those Impacted by Hurricane Milton

by Rick Tutwiler on 10/13/2024

Florida homeowners with severe damage from Hurricane Milton to the extent that their residence is uninhabitable, may have an insurance policy that provides a coverage called “Additional Living Expense” or “A.L.E.” if it is a covered loss. Under the Additional Living Expense coverage, you and your family may be entitled to rent another home of the same size, like kind and quality as well as be reimbursed for any extra expenses you incur such as food and temporary lodging.

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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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Tutwiler & Associates Public Adjusters, Inc.
Licensed Public Insurance Adjusters & Loss Consultants
Offices: Tampa, Orlando, Palm City, Florida; Dallas, TX; Pittsburgh, PA

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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

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Charles R. Tutwiler & Associates Inc. is licensed in the states of Florida, Georgia, Kentucky, Louisiana, Minnesota, Mississippi, North Carolina, New Jersey, New York, Pennsylvania, Pittsburgh, Rhode Island, South Carolina, Tennessee, Texas, Virginia, West Virginia, and the U.S. Virgin Islands, with primary offices in Tampa, Orlando, Hollywood, Palm City, Florida; Dallas, Texas and Pittsburgh, Pennsylvania. Tutwiler handles both commercial and residential property insurance damage claims. Our primary clients include: homeowners, condominium & homeowner associations, apartment complexes, business & industrial concerns of all sizes, hotel, resort, hospital, municipal government, college and university disaster claims. Call Tutwiler for a free claims review at 800-321-4488, or simply request a quote using our quick claim quote form.

Florida Insurance Deception: Déjà Vu for Policyholders? Buyer Beware

Additional Living Expenses Explained for Those Impacted by Hurricane Milton

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