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!

Public Adjusters for Collapse and Hidden Decay

A routine inspection finds a few small cracks in a concrete wall and the insurance company makes a minimal offer — or maybe none at all.

A subsequent inspection finds just a bit of water — maybe just a slightly damp storage room wall and some evidence of insects that your exterminator assures you is old, long taken care of, was very minor to begin with and perfectly normal. Now a couple months later, the insurance company has paid their token gesture, the exterminator has swept away the old, dry larvae and now you learn that it's time to rebuild — it was not so minor after all.

Collapse, hidden decay and insect damage are common in Florida — our humidity contributes to mildew and rot and acts as a veritable biosphere for termite infestations to flourish. It is just as common for the insurance company to exercise their own special brand of subjective reasoning, attempting to justify a pay out that will not pay for much of anything.

We've seen it time and again and Public Adjusters Charles R. Tutwiler and Associates, Inc. has righted these wrongs time and again — righted wrongs to the tune of many millions of dollars over initial insurance company adjuster's estimates. The key of course is evidence and for that an expert is required, an expert working for you, not the insurance company.

Take a few minutes to read some of our Success Stories concerning property insurance claims for collapse and hidden decay:

• Three Palms Point Condominiums, a $10,808,872.00 INCREASE, 23 TIMES+ carrier's offer
• Delco Oil Company Warehouse, total payment of $1,600,000.00
• The North Bay Village Community, settlement of $1,333,216.27
• Clearbrooke Town Homes, $805,000.00 MORE than the insurance company's initial offer
• Lake Forest Townhomes, a $2,075,000.00 settlement
• Sand Cay Condominium Association, $2,953,000.00 over the insurance company's offer!
• Bon Aire Motel, $825,000.00
• Cedar Woods Condominium Association, over $600,000.00 above insurer's initial approved amount
• Gulf Mariner Condominium Association, from "claim denied" to $.5 million settlement!
• Gulf Shores Condominium Association
• Lake Walden International Pre-School
• Long Bayou Condominium Community
• Paradise Shores Apartments, $925,000.00
• Arena De Madeira Condominium Association, from $15,000 to $100,000.00!
• Sheridan Woods Townehomes, a $650,000.00 settlement
• Gardens of Forest Lakes Condominium Association Suffers Collapse, Negotiated Settlement of $1.5 MILLION
• Sandbar Townhomes Condominium Community