The upscale homes on North Captiva (this island was literally cut in two) were severely damaged by Hurricane Charley's winds. The client's home, undergoing remodeling at the time, took the full force of Charley's winds. The first adjuster sent out said the damages were under the hurricane deductible! Tutwiler & Associates was subsequently hired, and after going through several other Citizens adjusters, full policy limits in the six figures were finally recovered as a result of Tutwiler & Associates adjusting and appraisal service.