Sarah's House, the high-end fashion center in the South for over two generations, was days away from the grand opening of its newly expanded facility when Hurricane Ivan struck. After discussion with the wind and flood adjusters, and realizing the complexitites of dealing with a multimillion dollar loss from the combined perils of flood and wind, Sarah's House retained Tutwiler and Associates, Inc. to assist them with its claim. Subsequently, the stock losses were settled for the policy limits for wind and flood.