Tampa public adjuster weighs-in on property insurance special session

Tampa public adjuster weighs-in on property insurance special session

Insurance Reform Special Session Updates
Public adjuster talks property insurance special session (baynews9.com)
Lawmakers to tackle Florida's property insurance crisis (baynews9.com)

As legislators attempt to reform and bailout the Florida property insurance market, ask yourself this:
Is the policyholder, property owner being put first?

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Insurance Carriers Create Policyholder Recovery Issues with Poor Claims Practices

Let’s hope the FL legislators take a hard look at the sloppy claims practices and delay tactics that are hindering Hurricane Ian recovery during the special session on insurance reform next week. Insurance carriers and their claims departments should be put under the same scrutiny as Public Adjusters and Attorneys. Maybe if the carriers start getting fined they will treat their policyholders more fairly rather than trying to save a buck. Unfortunately, this is not an isolated case based on our experience. https://www.abcactionnews.com/news/state/hurricane-ian-victims-struggling-with-insurance-claim-payouts-seek-help-from-public-adjusters

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Hurricane Nicole Will Complicate the Insurance Claim Environment

Hurricane Nicole Will Complicate the Insurance Claim Environment
As we continue to closely monitor Nicole, we wanted to provide you with a few updates.  As Florida learns 2022 midterm election results, undecided is how Nicole will impact insurance companies and how they treat policyholders. We are seeing a steady stream of denied and marginalized claim payouts keeping Ian victims from a fair claim recovery. Here’s what Nicole victims should expect looking beyond the center of the track:Read More

Florida Property Insurance Reform – Who is This Session For?

Florida Property Insurance Reform – Who is This Session For?

While it’s troubling to watch FL residents suffer soaring rate increases, I’m still hoping some meaningful legislation will be passed that will “immediately” impact rates and help property holders. The frustrating part is the partisan politicians who turn a blind eye when good amendments are put forward that could easily provide some rate relief. Just watch the consumer-friendly amendments laid out by Senator Gary Farmer who very eloquently explains the insurance shell game.  

Start at 1:57:30 - https://thefloridachannel.org/videos/5-24-22-senate-session-part-1/

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Florida Legislators Must Be Mindful Fixing the Homeowners’ Insurance Crisis - Don't Throw the Baby Out with the Bathwater

Florida Legislators Must Be Mindful Fixing the Homeowners’ Insurance Crisis - Don't Throw the Baby Out with the Bathwater

Every year, the insurance lobby tells us insurance companies are losing money, yet lawmakers pass laws and reforms stripping consumers' rights, permitting insurers to delay legitimate claims, and implementing preferred contractor network repair programs that enrich contractors working for insurance companies, rather than insurers indemnifying homeowners for their claims. Additionally, there has not been any real and demonstrative evidence lawmakers can show to support how laws and reforms enacted last year have been protective. All things considered; I am not seeing any financial relief forthcoming for homeowners, especially given the many proposed expansions to the upcoming special legislative session. 

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The 2021 Florida Legislature Deja Vu, Insurance Reform Proposal- House Bill 305

The 2021 Florida Legislature Deja Vu, Insurance Reform Proposal- House Bill 305

So let me see if I have this right. Of course, I have this right! Déjà vu all over again. Within House Bill 305 there is language that not only treads on but stomps on the rights of two business entities which by the way are both licensed and pay fees to two branches of the Florida state government in order to conduct legal and necessary business. Why else would they be issued a license and required to mail fees to Tallahassee if they were not legal and necessary?

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More Surprises in Your Insurance Policy for your Hurricane Sally Claim

More Surprises in Your Insurance Policy for your Hurricane Sally Claim

Hurricane Sally has exposed what I consider some very questionable underwriting tactics that recently have been written into some property insurance policies. A few examples are, limiting emergency service to a fixed cost or not to exceed a set amount which exposes the policyholder to higher out of pocket expenses. As an example, emergency services for mitigation efforts were not limited in Coverage A (your building limit of liability) in prior policy periods. Now we are seeing examples where only a small percent of Coverage A is being made available for emergency services.

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The Property Insurance Claims Game – The Storm After the Storm Continues

The Property Insurance Claims Game – The Storm After the Storm Continues

The Tampa Bay Times published an article in their editorial page this past week titled, “Stop Giving Hurricane Victims the Run Around” which in my humble opinion is well worth the time to read. For the most part I could not agree more with this commentary as we have seen this “run around” for years.  Clearly history has shown us that when mass catastrophic events occur, one’s expectations are that significant confusion and chaos in the early weeks, especially when first responders are mobilizing to respond to life, health, and safety issues will be the rule.

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AOB (Assignment of Benefits) abuse, is it over? Best read the new law to find out.

AOB (Assignment of Benefits) abuse, is it over?  Best read the new law to find out.

Make no mistake about it, the assignment of benefits controversy as evidenced by its reported abuse in the property insurance arena in the last decade has to have been one of the top scams I have witnessed in my 46-year career. And to top it off, it was all legal, albeit I would guess at times a bitter pill to swallow for some of those engaged in the activity, but what the heck, it was clearly profitable.

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Hurricane Michael’s Insurance Policyholder Deductible Surprise

Hurricane Michael’s Insurance Policyholder Deductible Surprise

By now folks in Panama City and surrounding areas hit by Hurricane Michael, are finding out how little they are going to get paid for their insurance claim damages. Our office continues to receive calls and emails from policyholders seeking help and answers about their property insurance losses. Predictably, a lot of the frustration from policyholders is about the fact that their claim file was closed without payment due to a subjective opinion by adjusters the insurance companies.

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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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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

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