In Oct. 2017 at 4am I heard a noise outside my BR window, when I got up to investigate, there were a series of 4 electrical explosions, my backyard and deck area was engulfed in flames. Fortunately, I was able to escape. The house was totally consumed within 3hrs as I watched 4 fire companies try to put it out. I ended up in the hospital that night, but soon received a text from a friend who had seen it on the news. Hire a PUBLIC ADJUSTER ASAP, was the msg. I had never heard of one, but then became acquainted with Mr. Zachary Flora from Tutwiler & Assoc. He had left an informational package with my neighbor which I read and then met with him. I was very impressed with his knowledge of the insurance business, how claims work, the difference between insurance adjusters and a public adjuster (one who advocates primarily in the clients best interest). He was friendly, forthright, and most knowledgeable. There was no "hard sell," I felt comfortable speaking with him. He presented cases which he had settled and the noticeable differences in claim amounts offered by the ins. co. I hired him on the spot to be my fire adjuster and am so glad that I did.

He was there for me every step of the way, he did all of the footwork which alleviated the stress and confusion of me trying to do it myself while under duress. This was most helpful with the "contents" portion of the claim. That was most difficult. The claim was recently settled. I got much more than was originally offered and I opted not to rebuild. I got a maximum total payout. Many people think they will be wholly taken care of under the umbrella of their trusted Ins. Co., but there are so many variables to consider in negotiations that a client may miss or may be overlooked by insurance co. adjusters or "preferred" contractors. This is especially true if you have a policy that allows for replacement cost value for the home as it existed. Example: replacing plaster with drywall, slate roof with shingles, or depreciation amounts. These are things that come up which would change the bottom line settlement. The public adjuster is prepared for these issues and will get you exactly what you are entitled to. I highly recommend Mr. Zachary Flora with Tutwiler and Assoc.