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Entries for 'water damage'
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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Tropical Storm Debby slammed the west coast of Florida on June 24, 2012, bringing heavy wind and rain resulting in wide-spread flooding. The Palm of Madeira Resort Condominium Association hired public adjuster Michael Platts of Tutwiler & Associates based upon prior contacts resulting from a previous loss.
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Ocean Palms Condominium is a 38-floor, 262-unit very high-end condominium located in Hollywood Beach, FL. On November 11, 2011 Ocean Palms suffered a stoppage in the building’s plumbing system that resulted in multiple floor and units being damaged. The association immediately hired restoration people to clean up the areas affected.
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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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Tornadoes wreaked havoc through the Tampa Bay area on March 31, 2011. Among those affected was a prominent St. Petersburg shopping center that had a portion of its roof torn off creating leaks throughout the building. A large retailer who was the anchor store, as well as three other businesses suffered damage. The property owner promptly reported the claim to his property insurance carrier located in Jacksonville, Florida. In turn the carrier sent out a local independent adjuster who wrote an estimate to repair the northwest corner of the roof plus some interior damage. In this instance the building owner had a large windstorm deductible and the local independent adjuster’s estimate came in at a lower amount than the deductible. While the property carrier acknowledged coverage, they sent a courtesy letter to the owner stating that no payments could be made because it was under the windstorm deductible. Meanwhile, the owner called in a general contractor whose initial estimate was far in excess of the deductible.
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