Public Adjusters Charles R. Tutwiler & Associates, Inc. are the experienced catastrophic Public Insurance Claims Adjusters and Loss Consultants - Loss Appraisers for the property/business insurance policyholder having sustained any form of property damage, business interuption, loss of inventory/loss of stock or other cause for insurance claims. Providing expert hurricane property damage insurance claims documentation, investigation, appraisals, representation and negotiation, we have represented policyholders following hurricanes Elena, Andrew, Opal, Erwin, Georges, Lenny, Charley, Frances, Ivan, Jeanne, Katrina, Rita and Wilma. Working exclusively for you, the policyholder, we have regularly negotiated increases in Client property insurance settlement amounts(that's INCREASED SETTLEMENTS or NEW MONEY) anywhere from double to ten times and even 20+ times initial insurance company adjuster estimates and offers - even after insurance claims denials/refusals - even after settlements/checks have already been paid! We are your Professional Public Adjusters!

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Success Stories Library Page Two (of Five)

 
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Success Story: (water leak damage) Holiday Inn Express, Palm Coast; The insurance company assembled and paid $81,440.69 which is what they believed to be the actual loss. We successfully recovered a total of $400,373.84.

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Success Story: (water leak damage) Orlando Museum of Art; The insurance company's adjuster explained that he did not feel that the loss would exceed the deductible of $2,500. Our involvement resulted in the carrier paying over $200,000.00 to resolve the claim.

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Success Story: (broken water pipe) Braverman Residence, East Hamptons, NY. The contractor determined that the damage was $169,692.84 and the carrier insisted on settling the claim for that amount. After several rounds of negotiation and appraisal of the disputed difference the claim was settled for $756,868.59.

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Success Story: (sinkhole claim) Graziano Residence, Dunedin, Florida. The insurance company tendered a payment for $40,000. We assembled our claim and began several rounds of lengthy negotiations with the carrier. We successfully settled the claim and presented the insured a total payment in the amount of $240,000.

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Success Story: (Hurrican Charley) Benzer Gift Shops, Orlando, Florida. The adjuster assigned by the insurance carrier assessed the damage at $27,911.71. We assembled a comprehensive claim package which was provided to the insurance carrier. After a brief round of negotiations we successfully settled the claim for $147,830.80, which was a 530% increase over the carrier's initial assessment.

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Success Story: (thunderstorm damage) Houston Residence. The carrier's adjuster estimated damages less than $10,000. After compiling a comprehensive claim package, lengthy negotiations, a jury trial and a subsequent appeal, total payments in the amount of $817,782.26 were made by the insurance company to the policyholder.

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Reference Letter: (hurricane) Sure Snap Fastener & Trim, Inc.; "There are not enough adjectives to express how ecstatic I am for the settlement that you made with Hartford Insurance on our behalf... I have never met a person with your professional demeanor who has the ability to negotiate with such dignity."

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Success Story: (chemical contamination/stock loss) Liner Source, Inc.; Liner Source retained Charles R. Tutwiler and Associates to assist with its stock loss and the future business interruption claim... the first offer of settlement was doubled!

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Success Story: (fire) New York City Garment District; one of the world's leading designers and manufacturers of women’s formal evening gowns suffered a fire in their design studio in the New York City...

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Reference Letter: (fire) Singer Private Home; "The insurance company offered me $25,000 for fire damage to my dwelling and $10,000 for the contents. You have just handed me checks totaling over $81,000, less your modest fee, a net gain to me of just under $40,000. Imagine that, forty thousand dollars!"

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Success Story: (hidden decay & termites) Lake Forest Townhomes; a 2 million+ dollar settlement from three property insurers and a pest control company.

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Success Story: (tornado & water/mold/mildew) Knights Inn of Ocala

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Success Story: (fire) King's Park Apartments; $4.7 million settlement to cover the cost of fire damages as well as the code and law and ordinance issues requiring upgrade and not simply repair/replacement!

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Reference Letter: (hurricane) King's Creek South; "It is my opinion, as well as that of the Board of Directors, that we would have been unable to settle the claim to our satisfaction without the aid of Mr. Tutwiler and his staff."

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Success Story: (tornado) Marina Cove at Harbor Village; final settlement was reached in the amount of $316,500.00, for a total INCREASE of $298,000 over the insurer's offer.

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Success Story: (hurricane) Marina Cove; $797,227 MORE than the insurance company's offer!

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Reference Letter: (hurricane) Mimosa Condominium Association; "THE MIMOSA CONDOMINIUM ASSOCIATION IS VERY GRATEFUL..."

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Success Story: (fire/water/heat/smoke) Naples Estate, Port Royal; The out of state owner hired Charles R. Tutwiler and Associates and after extensive preparation and negotiation reached a settlement in excess of $600,000.00.

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Success Story: (hurricane) Offices of Northside; The case ultimately reached an amicable settlement by Charles R. Tutwiler and Associates, Inc. of $221,379.00, a $188,379.00 INCREASE over that first insurance company offer!

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Success Story: (sinkhole) Tarpon Springs Private Home, Charles R. Tutwiler and Associates, Inc. assessed the loss and damages, prepared the claim package, and presented the claim along with all required support documentation to the insurance company.

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Success Story: (water) National Franchise Hotel; a sudden torrential rain occurred resulting in severe damage to all rooms and finishings...

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Success Story: (hurricane) "The Rainbow House", the legendary all women's guesthouse situated in Old Town on Key West...

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Success Story: (hurricane) The Enclave Condominium Complex; The loss was settled for $1,400,000.00, (1.4 million) an increase of $650,000 over the insrance company's estimate of damages!

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Success Story: (sinkhole) Safety Harbor Home, this home owner's claim was initially DENIED... and the insurance company fully REVERSED THEIR POSITION and settled the entire claim.

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Success Story: (fire) Duval Street Fire; fire severely damaged one of Key West's oldest buildings in the Old Town Section of Key West...

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Success Story: (hidden water & insect damage) Windward Pointe Condominium Community; settlement was reached in the amount of $750,000.00, an approximate $10,000.00 settlement per unit.

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Success Story: (fire/smoke/water) Frontier Steakhouse ; a comprehensive settlement of $655,000 was reached only months after the loss.

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Reference Letter: (fire) Superior Brick & Refractory Service, Inc.; "You certainly made everything easier for us..."

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Success Story: (hidden decay) Stilt House Collapse; During the course of the claim not only was hidden decay discovered but also building code upgrades...

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Success Story: (water damage)The Tampa Club; The claim was settled for approximately $360,000.00 which included tenant improvements, business and personal property loss and loss of income.

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Success Story: (water/fire watch costs) Ultimar Condominium Association Tutwiler & Associated were hired by Ultimar and not only got the fire watch cost paid but also the cost of a complete new alarm system.

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Success Story: (sinkhole) Safety Harbor Home II; These homeowners soon realized that their insurance company was attempting to minimize a claim payment due to the existence of clay on their property...

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Charles R. Tutwiler and Associates, Inc. are Public Adjusters specializing in commercial and residential property loss adjusting.
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tutwiler@publicadjuster.com.

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