Claims Adjuster

Adjuster Education - Turtle Glass Building Codes and the Impact on Beachfront Property Owners and Carriers

by Charles R. Tutwiler on 9/14/2015

As often happens in the adjusting business, you think you have seen or know most of the issues. But then a surprise comes along and you realize there is always something new in the business of property insurance adjusting. To put it another way, you don’t know what you don’t know. So here is what I didn’t know that I needed to know. This new revelation came this week when meeting with my client in his gulf front estate in Siesta Key, Florida.
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Winter Storm Claim Adjusting Practices Leave Much to Be Desired

by Rick Tutwiler on 7/20/2015

As we continue to help our clients who experienced winter storm damage, settle their insurance claims, we are learning more and more about insurance company claim practices and procedures, some which is quite troubling. This winter in the northeast, we endured some grueling battles with insurance companies which I will detail below. No doubt, insurance is a for-profit business and no business likes to lose money. We also understand that one can’t generalize one company’s behavior to all insurance companies as they all have their own standards of practice. And like other public adjusters in our industry, there are good apples and there are a few bad that can taint the entire profession.
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Ever Wonder What Happens to Your Panhandle Claim Once the Adjuster Leaves?

by Charles R. Tutwiler on 5/8/2014

Policyholders in Pensacola, Destin, Gulf Breeze and Ft. Walton Beach might be surprised that having an adjuster look at your claim is only the beginning of the process. Remember, the field adjuster that inspects 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. 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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Where’s the due diligence from financial institutions when it comes to property losses on residential and rental investments?

by Charles R. Tutwiler on 1/12/2014

Throughout my career, I have always been amazed about the fact that financial institutions like mortgage companies, banks and credit unions, all who have a stakeholder’s interest in a property, (either through a mortgage or some type of financial interest or obligation) never seem to question a claim payment made by an insurance company following a loss. I realize they are in a unique position, either as an additional insured, lien holder, mortgage holder, bankruptcy receiver, etc., and their client, the insured, is supposed to be on the frontline looking out for their own financial wellbeing. But it’s their security interest or in some cases a fiduciary responsibility that is at stake. So you would think they would have more than just a passive interest to confirm that a settlement on a property loss is correct and payment is in accordance with the policy and the facts of the loss.
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Legislative Issues

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Adjuster Education - Turtle Glass Building Codes and the Impact on Beachfront Property Owners and Carriers

Winter Storm Claim Adjusting Practices Leave Much to Be Desired

Ever Wonder What Happens to Your Panhandle Claim Once the Adjuster Leaves?

Where’s the due diligence from financial institutions when it comes to property losses on residential and rental investments?

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