Testimonials:

“Mike Stabile’s professionalism, integrity, technical expertise, customer service, and compassion are beyond reproach. Mike turned a travesty into a blessing that I will be eternally grateful for. At one point during my Hurricane Michael nightmare a friend referred me to an attorney specializing in battling insurance claims. When I told him that Mike Stabile from Tutwiler was handling my claim he assured me I was in good hands. He stated “if I’m ever a hurricane victim Mike Stabile is the first person I will call”. From that point on, I sat back and let Mike run the show. Using thermal imaging and moisture mapping Mike was able to prove beyond a shadow of a doubt that substantial hidden water damage existed behind the walls and into the subfloor. Mike was able to get over 6 times more than what the insurance company initially offered as “Final” payment. The result was a full policy payout and he even got the $5,000 deductible waived. The process took 6 months but only due to the Insurance company’s lack of cooperation and stall tactics but it was well worth it.”
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I am writing to let you know I appreciate the hard work that has gone into my case. It’s been a long journey. Rick and Kevin have been compassionate and understanding during this emotional and stressful time. I thank you for that.
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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.
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You are a terrific man, and I appreciate you very much.

I spoke to the appraiser, and asked all of your questions in the way that he would have no idea I expected certain answers. He passed with flying colors. 😊 Thank you for arming me with that information, and for making me feel comfortable in that choice.

The fact that you took the time to come back yesterday, and to write the below, tells me everything I need to know about you.

God forbid I ever find myself in need of your services (again) I won’t hesitate to reach out – next time sooner! I will also share my feelings publicly to anyone else who might be in the market for a Public Adjuster!!!

Thank you, from the bottom of my heart!!!
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I’m impressed. For the first time, in about two decades of working with public adjusters, I’m impressed. God bless you sir, all of you at Tutwiler & Associates.
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Good morning-Yesterday, when I deposited my insurance check at my bank, I was having a discussion with the bank manager. He referenced that on a personal note he was contemplating hiring a public adjuster due to Hurricane Irma issues and his homeowner’s. I took the liberty of sharing your business card with him, and praised the quality of work your Firm delivers.
Thank you both for everything,
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My initial claim settlement from my insurance company was $3k which I knew was woefully inadequate and did not address the root cause of the problem. Someone suggested I hire a private adjuster so I did my research and engaged with Tutwiler and Associates. My adjuster Scott Luginski came to my house, surveyed the damage and told me that he could get more money but the process could take up to six months. True to his word, I signed settlement papers with my insurance company six months to the day I received my first settlement check for a total of $35k. Excellent work by Tutwiler, I would highly recommend Scott at Tutwiler and Associates!!
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