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!

Reference Letter: Accredited Public Insurance Adjuster - Claims Adjusters Aid Emerald Coast Vacation Rentals in Faster Insurance Recovery After Hurricane Loss

From: Michael E. Balzer
Of: Emerald Coast Vacation Rental & Sales

Date: Tuesday, May 29, 2001

Comments:

Hello Dick -

Just received your news letter and appreciated you keeping us in mind. I think the only benefit that came out of Opal in 1995 was having the opportunity to not only meet you and your staff, but to also become acquainted with your company. As time goes on, we still hear horror stories from new associates that we now work with and the problems they have had during Opal and various contractors and adjusters. I continue to stress the importance of a qualified public adjuster - and enjoy speaking of the performance Charles R. Tutwiler and Associates performed for the association we manage.

It's a comfort to know that in the event of another disaster, Emerald Coast Vacation Rentals can recommend your services without ending up with "a black eye" once all is said and done.

Hope all is well, and please let me know if there ever is anything I can do for you.

Mike

Michael E. Balzer

President

Emerald Coast Vacation Rental & Sales