Florida Public Adjuster Wins Policy Limits in Settling Builders Risk Claim for Multi-unit Fire - Delivers Quality Service and Peace of Mind

Florida Public Adjuster Wins Policy Limits in Settling Builders Risk Claim for Multi-unit Fire - Delivers Quality Service and Peace of Mind

ISV, LLC is a prominent property development company based in Windermere, Florida with a 9-year growing real estate portfolio.  Sadly, ISV’s owner learned that two of his residential multi-family dwelling structures in Sanford, Florida suffered extensive fire damage on May 11, 2021. Following a cause and origin investigation, fire officials were unable to determine the area of origin.  Despite ISV’s timely claim reporting and C&O Report submission, the claim adjuster assigned by ISV’s insurance company notified the claim was still being investigated by the carrier, informing: “the process could very well take several months to finalize.”

Read More

Pittsburgh Claim Adjuster’s Technology and Perseverance Wins the Day in Settling an Apartment Fire Insurance Claim

Pittsburgh Claim Adjuster’s Technology and Perseverance Wins the Day in Settling an Apartment Fire Insurance Claim

Here’s an enlightening insurance claim success story from our valued Pittsburgh Adjuster, Mr. Zach Flora. Statistics show that 5% of structural fires or one in twenty are caused by cigarettes. On the late morning of May 21, 2020, an apartment landlord in the Pittsburgh area found out what it was like to become part of that statistic. Once the smoke cleared, he turned to his insurance company for help, where he quickly realized they weren’t the “good neighbor” they made themselves out to be. Then he turned to a trusted insurance claim adjuster also known as a public adjuster.

Read More

Enhanced conditions for electrical fires in the aftermath of Hurricane Michael

Enhanced conditions for electrical fires in the aftermath of Hurricane Michael

The effects of Hurricane Michaels wind and rain damage are still readily apparent in the Panama City area. Roofing crews and blue tarps are still visible wherever you travel. But what may not be so obvious, are storm related damages that may have resulted to electrical and mechanical systems in your home or business. From my perspective, too many policyholders blindly follow a contractors or even their insurance company’s desire to “fix up” the damage and move on to the next claim, putting themselves and their property in danger.

Read More

Policyholder Question – Can I Claim Loss of Use for an Apartment Rental Claim?

Policyholder Question – Can I Claim Loss of Use for an Apartment Rental Claim?

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum.

Q. I live in St Thomas. My house suffered substantial damage from Irma and Maria. It is a two level house with a 3rd level apartment. The upper level is missing the roof and the bottom level apartment is pulling away from the main structure. I am currently living on the 2nd level. When I bought the house in January I had planned on returning the house to the previous layout of 3 separate distinct living spaces to help with the mortgage and homeowners insurance payments. The 2nd level had already been zoned as a separate living area but was added to the main house by the previous owners. I removed the spiral staircase between the 1st and 2nd level and had contractors scheduled to come back to repair the opening. Earlier this year my parents decided they were going to move here. My father has Alzheimer disease and responds well to me. I was going to help my Mom care for him. My parents sold their house in Colorado, bought plane tickets and hired movers. They were to arrive on island October 1st. We decided ahead of time they would be paying rent and we would have a written agreement drawn up. As a result of the storm I was forced to move to the 2nd level. Had the house survived intact this would not have been a safe place for them. I would have still rented out the 2nd level to someone else. My insurance agent said I could not claim a loss of use for the vacant apartments because I had no lease already in place for them. Is this correct?

Read More

Hurricane Irma and enhanced conditions for electrical fires

Hurricane Irma and enhanced conditions for electrical fires

The effects of Hurricane Irma’s wind and rain damage are still apparent throughout Florida and the Caribbean. Roofing crews and blue tarps are ubiquitous wherever you travel. While the blue roofs are obvious, what may not be so obvious are damages that may have resulted to electrical and mechanical systems in your home or building from the effects of Hurricane Irma's wind and water. Too many policyholders are blindly following a contractors or even their insurance company’s desire to “fix up” the damage and move on to the next claim, putting themselves in danger. 

Read More

Policyholder Question – How can I get the insurance company to expedite my claim?

Policyholder Question – How can I get the insurance company to expedite my claim?

The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum.

Q. I made several requests for different reimbursements after a fire for things like mileage, replacement of computer equipment, and laundry expenses. I made the request two months ago and provided all necessary documentation. This is taking way too long. What can I do?

Read More

Pittsburgh Apartment Owner Receives Low-Ball Repair Estimate for Fire Damage

Pittsburgh Apartment Owner Receives Low-Ball Repair Estimate for Fire Damage

We want to thank Pittsburgh Public Adjuster Zach Flora for contributing the following success story.

A real estate owner of multiple properties experienced a 3 alarm fire at one of their apartment buildings located in the Hill District area of Pittsburgh on November 2016.  The building suffered significant fire, water and smoke damage. Upon reporting the loss to its insurance carrier, multiple adjusters were sent out to inspect the loss and the insurance company immediately assigned an outside company specializing in large losses to handle the claim.  This adjuster prepared a repair estimate that (in the opinion of the apartment owner) did not cover the cost to cover the value of the building and the hidden structural damages that were apparent. It became obvious that the repair estimate ignored parts of the building not directly affected by the fire, but were still subjected to massive amounts of smoke and water damage.

Read More

Policyholder Question – Challenging a Restoration Bill After a Fire

Policyholder Question – Challenging a Restoration Bill After a Fire

Q. We had a fire in our split-level duplex. The downstairs unit was a complete loss and the upstairs had smoke damage. Upon further inspection, the entire structure had to be brought up to code which totaled out the loss. The insurance company brought in a remediation company which still has a $4,000 bill outstanding for cleaning up the structure. Two builders say the structure should've been totaled immediately without any attempt for structural remediation. What are our options to challenge the remediation company's bill and claims?

Read More

Fire Claim Settled for 200% Above Initial Insurance Company Offer

Fire Claim Settled for 200% Above Initial Insurance Company Offer
This was a great day for this highly decorated Vietnam War Veteran and his wonderful wife. A recipient of a Purple Heart and 2 Bronze Stars with Valor, this couple tragically lost their home to fire 9-months ago. After receiving insufficient offers to settle their claim and months of delay, we were finally able to negotiate a 200% increase over and above the insurance company's initial offer. And to think that the insurance company adjuster discouraged them from hiring a public adjuster! Read More

Subscribe via Email

Subscribe via RSS

To subscribe via Outlook or another RSS reader, copy the following url and paste into your RSS reader: http://feeds.feedburner.com/publicadjuster/bUTI

"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.

Tags

#HurricaneSally#law and ordinanceActual Cash ValueAdditional Living Expensesadjuster licensingAdjuster Michael PlattsApartment DamageAppraisalAssignment of BenefitsBad FaithBahamas AdjusterBankBest Public Adjusterblack waterBusiness Interruptioncar crash into buildingCaribbean Public AdjusterCatastrophe InsuranceCeiling CollapseChattanooga tornadoCitizens Insuranceclaim delayclaim denialClaim Paymentclaim settlementclaimsClaims AdjusterClaims Tipscollapse claimCommercial ClaimCondo associationsCondominium ClaimsContents 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 ValuationHurricanehurricane claimsHurricane DorianHurricane EtaHurricane FlorenceHurricane HarveyHurricane HenriHurricane HermineHurricane IanHurricane IdaHurricane IrmaHurricane LauraHurricane MatthewHurricane MichaelHurricane NicoleHurricane SallyHurricane Season 2018ice damageice damsindependent adjusterInspectionInsuranceInsurance AdjusterInsurance ClaimInsurance Claim TipsInsurance Claim TipsInsurance ClaimsInsurance CoverageInsurance LitigationInsurance Rate IncreasesInsurance Reforminsurance settlementinsurance umpirelaw & ordinanceLightning Damageloss adjusterLoss Assessormanaged repairMediationMike StabileMoldMold DamageMortgageNashville adjusterNashville public adjusterNashville StrongNashville tornadoNatural DisastersNFIPNorth Carolina AdjusterOrlando Public Adjusteroverhead & profitPanama City Public AdjusterPanhandle FloodingPensacola public adjusterPinellas TornadoPipe Burstpipe leakPittsburgh Claims AdjusterPittsburgh loss adjusterPittsburgh Public AdjusterPittsburgh tornadoplumbing leakpollution claimPreferred ContractorsPreLossPrivate Adjusterproof of lossProperty Damageproperty damage adjusterproperty insurance appraisalProperty Insurance ClaimProperty Insurance RatesPublic AdjusterRepairsresort insurance claimRestorationrestoration contractorRoofRoof DamageRoof InspectionRoof RepairRoof ReplacementSandy FloodSettlement 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 AdjusterTheftThird PartyTornadoTornado adjusterTornado ClaimsTornado DamageTornado HelpTropical Storm ElsaUmpireunattended death claimVacation Home Damage ClaimVandalismWaterWater DamageWater LeakWINDwind damagewindstorm insuranceWindstorm insurance networkwinter stormZachary Flora

Local Office

Charles R. Tutwiler & Associates Inc., DBA Tutwiler & Associates Public Adjusters
Licensed Public Insurance Adjusters & Loss Consultants
Offices: Tampa, Orlando, Ft. Lauderdale, 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