On June 24, 2012 Tropical Storm Debby came ashore from the Gulf of Mexico and stalled out over the central State of Florida for multiple days, subsequently inundating the State with heavy rain, wind, and tornadoes.  The damage was so severe and widespread that our Governor Rick Scott declared a State of Emergency.

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On June 24, 2012 Tropical Storm Debby passed over the central State of Florida causing significant flood damage to this commercial shopping center’s two buildings located in Port Richey, FL. 

Immediately following the loss, the insured immediately reported the claims to the insurance company covering the property and hired Public Adjuster, Rick Tutwiler to assist with the claims process.

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There is nothing worse than your insurance company or their adjuster informing you that the damage to your property Is Not Covered!  Such was the case when this flood insurance adjuster denied a major portion of this claim referring to his interpretation of the coverage on page 5 paragraph 3 sub paragraph f. of the Standard Flood Insurance Policy General Property Form.

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On October 29, 2012, Superstorm Sandy came ashore causing extensive flood damage to this luxury home located on Lido Beach, New York.  After waiting nearly 5 weeks for a flood adjuster to simply call and schedule an appointment, the property owner’s realized they could not wait any longer and decided to hire the professional services of Tutwiler and Associates Public Insurance Adjusters to help them document the loss and damages.  Shortly thereafter, Public Adjuster Rick Tutwiler was retained and the process began.

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As we all know, Super Storm Sandy caused significant flood and wind damage to many large estates and residential properties throughout the States of New Jersey and New York.

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This large estate located in Babylon, New York sustained flood damage as a result of the rising waters caused by Sandy. However the severe damage was mainly limited to the crawlspace.  This presented a major challenge, especially as it related to the scope and method of repair due to the way this structure was built.  Additionally, the flood insurance adjuster sent out by the insurance carrier felt that no water entered into the first level of the home, which upon proper inspection by our team, was simply not accurate.

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On October 29, 2012 Super Storm Sandy abruptly came ashore impacting many states along the Northeastern coast causing significant damage to many commercial, industrial, and residential properties. Margarita Villas, a specialty lodging resort located in the scenic beachfront community of Kismet on Fire Island sustained both wind and water damage as a result of Sandy.

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On November 9, 2011 a large fire erupted in an upscale Largo, Florida condominium building as a result of a cooking accident by one of the building’s unit owners, causing extensive fire, water and smoke damage to the building and all property owned by the unit owners.

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On July 6, 2011 an electrical fire broke out in a rental property located in St. Petersburg, Florida.  Major smoke damage ensued as well as water damage caused by the fire department extinguishing the fire.  Since the condition of the dwelling made it uninhabitable, the tenants were forced to move out causing the property owner to sustain additional losses in rental income.

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On January 8, 2011, a toilet supply line burst in an upscale two-story home causing significant damage to the bathroom, bathroom cabinetry, drywall, insulation, baseboards, doors, door frames, kitchen cabinets, and custom oak wood flooring located throughout the dwelling.

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