This upscale home, located on the intercoastal waterway in Gulf Breeze, Florida, Santa Rosa county, was severely damaged by Hurricane Ivan's wind and tidal / storm surge. The county building officers declared the home a total loss. The wind and flood insurance companies first offered a total of $154,263. loss experts - insurance advisors Tutwiler and Associates, Inc. was retained and the final settlement to the property owner from both wind and flood totaled $724,989, or $570,726 in additional money - well over three times what the insurance company award initially offered! Professional Loss Consultants - Property Damage Appraisers really do increase settlement