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!

Learn how to settle a property insurance claim! We recover hurricane damage settlements! We are hurricane damage recovery, hurricane loss recovery Insurance Advocates!

From: William Kern
Of: Hidden Dunes Community Association

Date: December 16, 1996

Comments:

Dear Mr. Tutwiler,

On behalf of the Board of Directors, the Management Staff and the owners at Hidden Dunes Community Association, Inc., you and your firm are to be commended for the highly productive insurance adjustment work performed for us in the wake of Hurricane Opal in 1995-1996.

As you know, the storm ripped through our community on October 4, 1995, causing significant property damage. Initially, we believed restoration could be handled through one of several resources available to us...insurance, FEMA and local bank loans. Then came the reality shock of an offer of $1.2 million from our insurance carrier to supposedly cover more than $4 million in damages.

That's when we turned to your expertise. Over the next 5-6 months, we were most impressed with your detailed inspections, analysis and aggressive negotiations that produced a final settlement of $4.2 million.

Thanks to your professional work our community has now been restored for all of our owners and guests to enjoy without suffering major financial loss. Please convey our appreciation to all in your firm who supported this undertaking.

Sincerely,

William G. Kern