Why every Florida HOA needs a commercial public adjuster on their side.
The Carrier Works for the Carrier
The insurance company's adjuster is a trained professional whose job is to minimize what they pay. Without equal representation, your board is negotiating blind.
Documentation Is Everything
A claim without a pre-loss baseline is a claim the carrier can challenge. We build your documentation archive before a single storm forms.
Boards Have Fiduciary Duty
Accepting an underpaid claim isn't just a financial loss. It's a governance failure. CCG gives your board the ammunition to fulfill its obligation to owners.
We Manage the Process Entirely
From loss documentation to final settlement, CCG handles every interaction with the carrier, so your board can focus on governing, not adjusting.
From first call to final settlement, we own it.
01
Emergency Site Visit
We respond within 24 hours to document the loss, photograph all damage, and begin building the claim file.
02
Carrier Notification
We notify your carrier, sign the LOR, and establish CCG as the authorized representative for your association.
03
Scope & Documentation
Full damage scope, drone aerial, engineering coordination if needed, and complete loss documentation package.
04
Negotiation & Settlement
We negotiate directly with the carrier adjuster until the settlement reflects your actual, documented loss.
Florida HOA insurance claims are uniquely complex.
Master policies, bare-walls vs. all-in coverage, hurricane deductibles as a percentage of insured value, special assessment coverage. These are not residential insurance concepts. CCG has specific expertise in Florida Chapter 718 (condos) and Chapter 720 (HOAs) and the intersection of those statutes with commercial insurance obligations.
Read HOA & Condo Association FAQs →We Build Your Claim The Way Ford Built The Assembly Line.
Henry Ford didn’t try to be the expert at everything. He surrounded himself with specialists, each mastering one part of the work, and assembled the result into something no individual could build alone. We document claims the same way. For a serious loss, one adjuster’s opinion is not enough, so we bring in the right specialists, pull a full report from each, and assemble them into a claim the carrier cannot dismiss.
Building Consultants
Read the structure and the code the way an insurer’s engineer does, so nothing covered gets left out of scope.
General Contractors
Real-world repair pricing and sequencing that holds up when the carrier questions the cost to rebuild.
Structural Engineers
Independent reports on causation and structural damage that carry weight the carrier can’t wave off.
Professional Estimators
Line-item Xactimate estimates built to the same software and standards the carrier’s own adjuster uses.
Contents Specialists
Full inventory and valuation of damaged personal property and business contents, item by item.
Water & Mold Testing
Moisture mapping, thermal imaging, and lab testing that prove the source, the spread, and the cause of loss.
We don’t send an adjuster. We send a team.
These specialists are independent third-party professionals brought in for documentation and evidence purposes. CCG does not perform repair work and holds no financial interest in any repair or remediation contract.
Submit your loss. We respond within 24 hours.
If your association has experienced a loss (wind, water, fire, or otherwise) submit the form and James will personally review your situation before any carrier contact is made.
Report Your Loss
We respond within 24 hours of submission.