Rick Tutwiler was a panel member at the Windstorm Network 2012 Annual Conference that presented “Knowing Coverage and Policy Language.” Along with Rick three other experts, an attorney representing insurance companies, an attorney representing policyholders, and an independent insurance claims adjuster who represents insurance companies reviewed important coverage issues that can have a significant impact on insurance settlements or dispute resolutions.

Rick highlighted topics that included the steps adjusters should take early in the claim process to protect and document the policyholders claim should any dispute arise. He also touched on a few new Florida rules for adjusters, specifically as it relates to contractor involvement, as well as loss mitigation issues that often create claim disputes during the adjustment process.  Rick also took note of a trending issue regarding many admitted carriers taking the appraisal provision out of their insurance policies, which is much to the detriment of the insured policyholder.

This 2011 report examines the present condition of the catastrophe risk finance system in Florida, including State run Citizens Insurance and the private market for property insurance.