On Property Insurance Claim Tips Blog

Posts by Rick Tutwiler

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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Public Adjuster Negotiates a $3 Million+ Settlement for Country Club Resort Insurance Claim After Insurer Offers $0.00

Public Adjuster Negotiates a $3 Million+ Settlement for Country Club Resort Insurance Claim After Insurer Offers $0.00

The complexities of a property insurance claim are many. This is even more true with the variables that exist in claims for country clubs and resorts. Owners and managers are not only tasked with navigating a building damage claim and policy coverage issues, but they also have the monumental task of addressing, assessing, and seeking compensation for damages to business personal property, maintenance equipment, golf carts, golf course and grounds, supplies, saleable goods Inventory, food & beverage stock, debris removal, and costs incurred for engineers, architects, and auditors. Moreover, owners will be tasked with addressing and projecting intangible damages for items like business interruption, extra expense, lost sales revenue, and lost membership dues. For business managers not familiar with the insurance claims process this is a daunting task that takes away large chunks of time from their primary responsibilities to efficiently operate the business. Learn how Public Adjuster Mike Stabile put his expertise to work for this client and acheived a fair claim settlement. 

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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.

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Pittsburgh Tornado Insurance Claim Tips

Pittsburgh Tornado Insurance Claim Tips

Tornados that hit several townships have left many homeowners and businesses with significant damage, especially in the Fox Chapel, Allison Park, Hampton and Franklin areas. Our local Pittsburgh Public Adjuster, Zach Flora reports widespread wind and tree damage. Policyholders with tornado damage need to understand some of the basic insurance claim adjusting procedures that will play an important role to achieve a fair, expeditious claim settlement and avoid delays. Insurance companies and their teams of catastrophe adjusters may be overwhelmed given the breadth and severity of the tornado damage in Pittsburgh and volume of calls. Here are some tips and common mistakes to avoid while preparing yourself for the insurance claim process.

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10 Things to Know About Hurricane Insurance Claims - Hurricane Ida

10 Things to Know About Hurricane Insurance Claims - Hurricane Ida

Here’s a good recent article to share that can help those impacted by Hurricane Ida work through their insurance claims. If you have questions or need assistance with a large loss from Hurricane Ida, we stand ready to help.

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Hurricane Henri Update and Claim Damage Links - Public Insurance Adjusters Standby to Help You Obtain a Fair Settlement for Your Property Damage

Hurricane Henri Update and Claim Damage Links - Public Insurance Adjusters Standby to  Help You Obtain a Fair Settlement for Your Property Damage

There’s no question Long Islander’s & New Englanders endured their fair share of blizzards and wicked Nor’easters’, yet for some of our company’s public insurance adjusters who worked for northeastern clients 30-years ago after Hurricane Bob, it feels like yesterday. Making matters worse, Hurricane Henri is projected to make landfall at high tide and with a full moon and that may result in coastal flooding. Please prepare for potential days without power and stock-up sufficiently.

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Insurance Claim Tips for Texans to Accelerate Their Pipe Freeze Claim Recovery

Insurance Claim Tips for Texans to Accelerate Their Pipe Freeze Claim Recovery

As millions of residents throughout Texas seek safe shelter, food, and drinking water, many will turn their attention to filing frozen pipe leak claims for their homes and businesses. These pipe burst ruptures are expected to become substantially worse as warmer weather causes everything to thaw out.  For those with damage, hurry up because time is of the essence to report your claim!   

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Deep Freeze Will Create Frozen Pipe Leaks and Water Damage Insurance Claims

Deep Freeze Will Create Frozen Pipe Leaks and Water Damage Insurance Claims

A historic deep freeze is gripping the US with sub-zero temperatures and even more serious wind chill factors. With it will come unprecedented frozen pipe bursts, iced dams and roof collapses that will cause extensive property damage and loss to personal and commercial property as well as business inventory.  As for homeowners, if you discover a leak, turn off your water, call in a reputable plumber, inform your insurance company of the damage and get their agreement to fix and pay for the damage before hiring a reputable clean-up company.

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Policyholder Question – Something is very stinky with this adjuster’s position on sewer back-up insurance claim

Policyholder Question – Something is very stinky with this adjuster’s position on sewer back-up insurance claim

Q. We moved into our new house and within a few weeks, the sewer backed up into the shower and leaked out of the shower pan all over the downstairs area (very stinky!). Everyone agrees this is considered a "Category 3" leak. Remediation company came and took out the tile, flooring, a lot of drywall and dried everything out. Insurance company has no problem paying them for everything they did (they seem to work together a lot). Insurance adjuster is saying that the tile and shower pan are part of the plumbing and are not covered, but is saying that they will pay for the cement board behind the tile in the shower. They are also only planning to pay an amount roughly equal to the cost of the remediation for reconstruction (which is roughly equal to the estimate from the remediation company....because they provide reconstruction services as well). It seems ludicrous that reconstruction would cost the same as remediation. To rip stuff out and dry it out is a lower level of skill and doesn't require any materials.....but the adjuster is saying we are lucky that he is covering what he is covering. The remediation company isn't even available to do the job. We have 3 bids from other quality contractors that actually have availability and they are double the price.

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