The Unlicensed Practice of Public Adjusting, the Insurance Claims Keep Rolling In

You can bet at any gathering of a group of Florida licensed public adjusters, the conversation will start off with the question of how many Florida public adjusters currently exist. No question about it, Florida saw an explosion in the ranks of the public adjusting profession since the big four storms of 2004, as compared…

Policyholder Question: Roof Replacement From Wind Damage Claim

Here is an insurance claim question that we recently were asked to weigh in on as a contributing member of insurance claim experts for United Policyholders who advocates for property owners. Q. We received a question from a North Carolina consumer regarding a roof replacement due to windstorm damage. The carrier is claiming that only a “spot-repair” is…

The DFS and Public Adjuster Apprentices – Whose Advice can you Trust?

The latest Journal of Public Adjusting, Volume 4 Issue 2, prompted this blog.  Appeal Efforts Results in Unfavorable Ruling for Dominick Belinchak highlights the long and I assume costly battle Mr. Belinchak, (a licensed public adjuster) has waged with the Florida Department of Financial Services over the issue of the “undefined term of direct supervision” of a…

Our 2014 Public Adjuster Wish List for the Property Insurance Market

It’s been an eventful year for public adjusters and the insurance claims industry. So I want to share my 2014 News Year’s Wish List for the property insurance industry. I wish Congress would fix the Biggert-Waters 2012 National Flood Insurance Reform Act. This extremely ill-conceived act of Congress is causing great harm to homeowners all…

“Grout in the Ground” the New Citizens Proposal for Florida’s Sinkhole Malaise– WATCH OUT

Citizens floats a sinkhole fix was the headline in the Tampa Bay Times article that ran in the paper on 12/11/2013. The article says letters will go out to “current and potentially future litigants this week that offered to pay for repairs.”  This program, which we reported on in one of our previous blogs, has been in…

Sinkholes, Property Insurance, the Option to Repair and Assignments of Insurance Benefits….Watch out!

A recent media article following the new catastrophic sinkhole loss in Dunedin, Florida caught my attention the other day as it looks like we have two forces on a collision path. And wouldn’t you know that the poor insured policyholder is caught in the middle. The media recently reported that a Citizens Insurance claim committee will vote…

Public Adjuster Offers Further Comments on Florida Sinkhole Insurance

Public adjuster Keith Grams of Tutwiler & Associates was recently interviewed by WFLA and NBC News about sinkhole insurance repair issues. He offers further comments regarding concerns about the direction the insurance companies and legislature are taking. For many years the Florida legislature and the insurance industry have systematically weakened coverage for sinkholes.  Last week’s massive sinkhole…