Florida Public Adjusters Available to Answer Your Questions About Hurricane Ian Insurance Claims Click Here for Valuable Resources
Florida Public Adjuster | Insurance Claim Adjusters | Tutwiler & Associates
  • Call 24/7: (813) 412-8357

        

Select the search type
  • Site
  • Web
Search
  • Company
    • About
    • Careers
    • Guiding Principles
    • Our Adjusters & Estimators
      • Rick Tutwiler
      • Nick Chase
      • Ed Collier
      • Zachary Flora
      • Frank Fortson
      • Troy Frederick
      • Keith Grams
      • Kevin Leisure
      • Thomas Long
      • Scott Luginski
      • Leonard Miller
      • Michael Platts
      • Dick Tutwiler
    • Clients
    • Client Success Stories
    • Testimonials
    • News and Press
    • Professional Affiliations
    • Community Service
  • What We Do
    • When to Hire a Public Adjuster
    • Benefits of Hiring a Public Adjuster
    • How to Choose a Public Adjuster
    • Claim Representation - How It Works
    • Protecting Your Insurance Claim
  • Type of Claim
    • Business Interruption
    • Citizens Insurance Claims
    • Collapse - Decay - Vibration
    • Explosion
    • Fire and Smoke
    • Frozen Pipe Claims
    • Hail Damage
    • Hurricane & Wind Damage
      • Understanding Hurricane Percentage Deductibles
    • Large Loss Claims
    • Lightning
    • Mold
    • Power Outage
    • Plumbing Leaks
    • Roof Damage
    • Sinkholes
    • Theft - Vandalism
    • Tornado Damage
    • Water, Flood Damage
    • Winter Storm Claim Adjuster
  • Services
    • Appraisal and Mediation
    • Builders Risk
    • Expert Witness
    • Pre-Loss Inspection & Disaster Planning
    • Risk Management Assistance
    • Umpire Services
  • Markets Served
    • Hurricane Ian
    • Orlando Public Adjuster
    • Pittsburgh Public Adjuster
    • Tennessee Tornado
    • Residential Claims
    • Commercial Claims
    • Homeowner Property Claims
    • Condominium Associations
    • Apartment Complexes
    • Business and Industrial Property Claims
    • State and Local Government
    • Hotel - Motel
    • Educational Institutions
    • Medical Facilities
    • Attorneys and CPA's
  • Contact
    • Contact Us
    • Submit a Claim
    • Staff Directory
    • Submit a Review
  • Resources
    • Blog
    • Claim Tips
    • Video Gallery
    • Articles and Presentations
    • Useful Insurance Claim Sites
    • Glossary of Insurance Terms
    • Newsletter Archives
Go to...
  • Company
    • About
    • Careers
    • Guiding Principles
    • Our Adjusters & Estimators
      • Rick Tutwiler
      • Nick Chase
      • Ed Collier
      • Zachary Flora
      • Frank Fortson
      • Troy Frederick
      • Keith Grams
      • Kevin Leisure
      • Thomas Long
      • Scott Luginski
      • Leonard Miller
      • Michael Platts
      • Dick Tutwiler
    • Clients
    • Client Success Stories
    • Testimonials
    • News and Press
    • Professional Affiliations
    • Community Service
  • What We Do
    • When to Hire a Public Adjuster
    • Benefits of Hiring a Public Adjuster
    • How to Choose a Public Adjuster
    • Claim Representation - How It Works
    • Protecting Your Insurance Claim
  • Type of Claim
    • Business Interruption
    • Citizens Insurance Claims
    • Collapse - Decay - Vibration
    • Explosion
    • Fire and Smoke
    • Frozen Pipe Claims
    • Hail Damage
    • Hurricane & Wind Damage
      • Understanding Hurricane Percentage Deductibles
    • Large Loss Claims
    • Lightning
    • Mold
    • Power Outage
    • Plumbing Leaks
    • Roof Damage
    • Sinkholes
    • Theft - Vandalism
    • Tornado Damage
    • Water, Flood Damage
    • Winter Storm Claim Adjuster
  • Services
    • Appraisal and Mediation
    • Builders Risk
    • Expert Witness
    • Pre-Loss Inspection & Disaster Planning
    • Risk Management Assistance
    • Umpire Services
  • Markets Served
    • Hurricane Ian
    • Orlando Public Adjuster
    • Pittsburgh Public Adjuster
    • Tennessee Tornado
    • Residential Claims
    • Commercial Claims
    • Homeowner Property Claims
    • Condominium Associations
    • Apartment Complexes
    • Business and Industrial Property Claims
    • State and Local Government
    • Hotel - Motel
    • Educational Institutions
    • Medical Facilities
    • Attorneys and CPA's
  • Contact
    • Contact Us
    • Submit a Claim
    • Staff Directory
    • Submit a Review
  • Resources
    • Blog
    • Claim Tips
    • Video Gallery
    • Articles and Presentations
    • Useful Insurance Claim Sites
    • Glossary of Insurance Terms
    • Newsletter Archives
Large Loss Claims
Type of Claim / Large Loss Claims
Header pic
It was great to find a professional and compassionate person like public adjuster Frank Fortson and a company such as yours who could help us negotiate the maze of complexity that is the insurance industry. Hotel Owner

Large Loss Insurance Claims Adjuster

Understanding the “Large Loss” property insurance claim process can be extremely complex even for the most savvy business professional, corporate attorney or risk manager. Every large loss insurance claim has its own unique set of circumstances and a variety of issues that need to be addressed. Businesses have layers of insurance coverage to sort out. Large residential losses may need to consider custom materials and architectural treatments, not to mention valuable collectibles and personal belongings. Make no mistake, handling this type of claim is extremely time consuming, especially if all the issues are addressed properly. Large loss claims even present extreme challenges for the insurance company and their representative experts, adjusters, and loss consultants.  That’s why it helps to add a large loss public adjuster with experience and resources to your team.

If you have never been through a large insurance claim before, the insurance company will attempt to take control of your claim and the result may not be to your satisfaction. When you hire a public adjuster to manage your claim you should expect your adjuster to handle all aspects of the claim from start to finish that includes: 

  • Developing a plan of action serves your best interest and advises you how to proceed with any required mitigation/demolition efforts so that you comply with the post-loss duties of the insurance policy.  These activities can mean the difference between an inadequate insurance claim settlement and a fair claim recovery.  If you are not careful and sign what is called an “Assignment of Benefits Contract” with a contractor, you may never see any money at all. 
  • Making you aware of your duties as the insured, obtaining a certified & true copy of the policy and determine the insurance coverages, policy limits, exclusions, and deductible issues in the policy. Identify any co-insurance requirements/potential penalties.  Was the property insured to value?  If not there will be a penalty applied to the settlement amount.  Review any Law & Ordinance/Code Upgrade issues that may be need to be addressed in the claim.  What needs to be done to bring the structure up to the current building code?
  • Photograph/videography of the scene, document the debris pile, correspond and negotiate with the insurance company, log all conversations, meetings and discussions, keep a professional claim file active, dispatch engineers and estimators as needed to write detailed damage repair estimates, document inventory, help you determine and prepare a loss of rents claim and handle the extra expense claim if there is one.
  • Be a resource and help educate you to ensure a positive insurance claim experience.  Insurance companies are a business.  They cannot stay in business by maximizing their payouts.  Therefore, their objective is to minimize their claims payouts to keep their bottom line healthy.  Also, you should know that the adjuster that will be sent out by the insurance company will likely try to bring their "preferred contractors.”  These folks work for the insurance company and therefore owe their allegiance to the insurance company, and not you, the policyholder property owner.

To provide an example, Tutwiler and Associates was hired on a very large manufacturing fire in 2009 in which the main warehouse of a sporting goods business was completely destroyed including all the inventory, business records, business property and electronic databases that stored the accounting, orders, and operations information.  Under Tutwiler’s guidance, the owners quickly reported their claim to the insurance company and took immediate action to secure a temporary facility to get the business up and running and put all their employees back to work to fulfill their orders.  During that time, the public adjusters from Tutwiler worked closely with the accounting and operations staff to complete the tedious process of organizing and documenting, the insurance claim reports required by the insurer. After all, the burden of proving the loss and damages for purposes of filing an insurance claim is on the policyholder!  

After obtaining a certified and true copy of the insurance policy, Tutwiler analyzed the different layers of coverage, the respective policy limits, sub-limits, deductible issues, actual cash value vs. replacement costs, depreciation schedules, and obvious coverage and exclusions factors.  Unique strategy was also used to analyze many other factors that are vital in maximizing the financial road to recovery.  Hiring an experienced public adjuster can efficiently help the policyholder navigate the claim process and also address complex insurance claim issues allowing the policyholder to focus their efforts back to their area of expertise. 

Read about more of our large loss claim experience in our Success Stories . If you would like help with your large loss insurance claim and understand your options, give us a call at 813-412-8357 or contact us.

 

 

Rick Tutwiler, Public Adjuster
Tutwiler Helps Fire Victims

Tell Us About Your Claim

Select how you like us to respond
CAPTCHA image
Enter the code shown above in the box below.
 
  • Good morning-Yesterday, when I deposited my insurance check at my bank, I was having a discussion with the bank manager. He referenced that on a personal note he was contemplating hiring a public adjuster due to Hurricane Irma issues and his homeowner's. I took the liberty of sharing your business card with him, and praised the quality of work your Firm delivers.
    Thank you both for everything
    Lisa Ackerman
  • I'm impressed. For the first time, in about two decades of working with public adjusters, I’m impressed. God bless you sir, all of you at Tutwiler & Associates. - Doug Spurling, Claims Adjuster
    Doug Spurling
  • We felt very confident with Ray assisting us with our claim. We are thankful we had them advocating for us.
    Liza Pettingill
  • Superb service and attention to detail, follow through and support made our experience with our claim positive and satisfying.
    Taylor Vanston
  • As an insurance agent in Florida for over 15 years, I always need a trustworthy public adjuster to help when the insurance companies don't want to pay. The Tutwiler team is always there to answer my calls and help my clients.
    Anthony Hernandez - Insurance Agent

Related Articles

  • Documenting Large Loss Insurance Claims
  • 7 Mistakes Businesses Make Filing a Claim
  • Tutwiler handles car crash into Ybor bar insurance claim

Public Adjuster Services

  • Appraisals and Mediation
  • Builders Risk
  • Expert Witness
  • Pre-Loss Inspection & Disaster Planning
  • Risk Management Assistance
  • Umpire Services

Types of Claims

  • Business Interruption
  • Citizens Insurance Claims
  • Collapse - Decay - Vibration
  • Explosion
  • Fire and Smoke
  • Frozen Pipe Claims
  • Hail Damage
  • Hurricane & Wind Damage
  • Lightning
  • Mold
  • Power Outage
  • Plumbing Leaks
  • Roof Damage
  • Sinkholes
  • Theft - Vandalism
  • Tornado Damage
  • Water, Flood Damage
  • Winter Storm Claim Adjuster
  • Large Loss Claims

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

TAMPA | ORLANDO | PALM CITY | DALLAS | NASHVILLE | PITTSBURGH

Tutwiler & Associates strives to provide an accessible experience for users of all abilities. If you encounter any inaccessible features or difficulties using this website, please contact us via email or call us toll free at 800-321-4488 to notify us or request the information in an alternative means. Our goal is to increase the accessibility and usability of our website to everyone.

Charles R. Tutwiler & Associates Inc. is licensed in the states of Florida, Georgia, Kentucky, Louisiana, Minnesota, Mississippi, North Carolina, New Jersey, New York, Pennsylvania, Pittsburgh, Rhode Island, South Carolina, Tennessee, Texas, Virginia, West Virginia, and the U.S. Virgin Islands, with primary offices in Tampa, Orlando, Hollywood, Palm City, Florida; Dallas, Texas and Pittsburgh, Pennsylvania. Tutwiler handles both commercial and residential property insurance damage claims. Our primary clients include: homeowners, condominium & homeowner associations, apartment complexes, business & industrial concerns of all sizes, hotel, resort, hospital, municipal government, college and university disaster claims. Call Tutwiler for a free claims review at 800-321-4488, or simply request a quote using our quick claim quote form.

Copyright © 2011-2023 Charles R. Tutwiler & Associates, Inc. : Terms Of Use : Privacy Statement
Login