The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. What are the insurance company’s responsibilities to their policyholders with regard to providing any adjuster’s reports, ALE expenses and any timeline they are ruled by? Insurance company says I am not eligible for ALE because I…
The following is an insurance claim question we answered for a policyholder through the United Policyholders Ask an Expert Forum. Q. Can I have a repair estimate reviewed and a new estimate prepared based on the estimate sent by my insurance adjusters estimate? They have issued a check in the amount of this estimate, less the deductible.…
Hurricane Hermine has caused widespread wind, water, roof and flood damage in the Tampa, St. Petersburg area and up the coast to Tallahassee. As clean-up begins, many residential and commercial policyholders will submit an insurance claim for storm damage to their property. The public adjusters at Tutwiler & Associates urge policyholders to take the proper…
Anticipating the 100 year flood event that occurred in my native southern West Virginia was the last thing on my mind when I wrote and published my recent blog Troubled Waters – Insurance Claims Under Attack, about the “Troubled Water Claims” phenomena we are currently experiencing in Florida. But given the fact that Florida’s water problems and…
Congratulation to Rick Tutwiler, who was presented the 7th Annual WIND Presidential Recognition Award at the Windstorm Insurance Network Conference in Orlando, Fl. The award was established to recognize annually a member who has contributed significant knowledge, service and leadership to better the Windstorm Insurance Network (WIND). Rick was also elected as the 2016 Secretary of the WIND Board of…
Public Adjuster Rick Tutwiler will be part of an expert panel that discusses Wind vs. Wave Action at the upcoming Windstorm Insurance Conference from February 1-4. This highly interactive presentation will provide insurance professionals with practical information to help separate damage to structures due to storm wind from damage caused by storm surge. The presentation begins with education…
Florida has gone through a remarkable decade without any wide spread wind losses. The past two weeks broke this lucky streak when two weather events resulted in tornado damage on the west coast of Florida, most notably in Coral Springs, Siesta Key and Sarasota. It seems that most experts contribute these wind loses to the…
This is the time of year to reflect on our activities and share some of our most popular blogs. We started the year with Winter Storm Juno and the record snow and ice that brought ice dams and pipe bursts. Will we see a repeat in 2016? While we are now 10 years without a…
An article in the 2015 autumn edition of the Marshall University Magazine (my alma mater) resonated with me in the context of insurance losses. In theory there should not be any winners or losers when it comes to paying for an insured policyholder’s claim. The insurance company is supposed to indemnify their insured or make…
Here is our 3rd and final installment of questions we are fielding from the flooding in the Columbia and Charleston, South Carolina. Hopefully we can help others seeking similar answers with flood insurance claims issues. Q. How much drywall damage will my flood insurance pay for? A. Some adjusters will only go up to 2 feet, but most…