Question 1

What is a commercial public adjuster?

Accepted Answer

A licensed professional who represents property owners, not the insurance company, during the claims process. When you file a claim, your insurer sends their own adjuster to minimize the payout. CCG levels the playing field by independently documenting your loss, interpreting your policy, and negotiating directly with the carrier on your behalf.

Question 2

How does CCG get paid?

Accepted Answer

We work on a contingency basis. Our fee is a percentage of what we recover for you, agreed in writing in your Public Adjuster Contract before we begin. No recovery, no fee.

Question 3

What is the difference between a commercial public adjuster and a residential one?

Accepted Answer

Residential public adjusters handle high volumes of home claims: standardized policies, fast settlements, move to the next job. That volume model breeds a fee-chasing mentality. Commercial public adjusting is structurally different: master policies, business interruption, code upgrades, multi-party coverage disputes, and claims that take 12–18 months to resolve. CCG works exclusively in the commercial space, not because residential isn't valuable, but because the depth of knowledge, bandwidth, and documentation discipline required to win complex commercial claims demands full commitment. We're not chasing a fee. We're building a position.

Question 4

Does hiring a public adjuster actually increase my payout?

Accepted Answer

A public adjuster represents you, not the carrier, and is focused on documenting the full scope of your loss and interpreting your policy in your favor. For commercial properties, where business interruption, code upgrades, and complex documentation are involved, professional representation is especially valuable.

Question 5

My carrier already made a settlement offer. Is it too late?

Accepted Answer

No. A carrier's initial offer is rarely their best. If you've received an offer you believe undervalues your loss, CCG can review your claim at no charge. We can dispute the settlement, invoke the appraisal process, or refer your case to a property insurance attorney if bad faith is involved.

Question 6

Does a condo association or HOA need a public adjuster?

Accepted Answer

Absolutely. HOA and condo claims are among the most complex, coordinating master policies, unit owner policies, assessment coverage, and Florida Chapters 718 and 720. CCG specializes in this intersection and has recovered millions for Florida associations.

Question 7

When should I call CCG, before or after filing my claim?

Accepted Answer

Before. The first 72 hours after a loss are critical. Carriers send their adjusters immediately, and anything not documented can be excluded. CCG mobilizes to document first, then files, so your claim is backed by a complete record from day one.

Question 8

What types of commercial properties does CCG work with?

Accepted Answer

CCG works exclusively with commercial and multifamily properties in Florida: HOAs, condo associations, apartment complexes, strip centers, office buildings, and mixed-use developments. We do not handle residential single-family claims.

Florida's Properties Deserve a Fighter in Their Corner.

Every audience. One standard of excellence.

You manage the property. We protect what it's worth.

Your association has one chance to position a claim correctly.

When your client has a loss, you deserve a partner who delivers.

How we protect you, before and after a loss.

We Document First

We Build Your Position

We Represent You

Common Questions About Commercial Public Adjusting

Your carrier is preparing their position.
CCG makes sure yours is built first.