The owner of this three story beach house discovered cracks in the concrete beams and support columns. Tutwiler and Associates, Inc. was recommended to the owner and subsequently hired. During the course of the claim not only was hidden decay (rusted rebars) discovered but also building code upgrade requirements were triggered as a result of the extensive repairs that were required. The insured client received a final settlement of $314,300.00 under the collapse grant of coverage in their policy.