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 →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.