Where we work
Coyne Commercial Group is a Florida licensed public adjusting firm based in Sanford. We represent property owners and associations across Central Florida, including Orlando, Sanford, Lake Mary, Winter Springs, Oviedo, Altamonte Springs, Longwood, Casselberry, Winter Park, Maitland, Apopka and Kissimmee, and throughout Seminole, Orange, Osceola, Lake and Volusia counties.
A public adjuster works for the policyholder, not the insurance company. Our work is documenting the loss, reading the policy, and presenting the claim to the carrier in writing on your behalf. James Coyne holds Florida Public Adjuster License W482618. The firm holds License G350978.
Cities with a dedicated page are linked. Every other Central Florida city and county is served from the Sanford office.
What a public adjuster does for a Central Florida commercial owner
When a commercial building takes damage, the carrier sends its own adjuster. That adjuster works for the insurance company. A public adjuster is the licensed professional who works for the owner, the association or the property manager on the other side of the table. Florida law, in Chapter 626 of the statutes, defines and licenses the role.
On a commercial claim the work is mostly documentation. We inspect the whole property, including roofs, mechanical rooms, tenant spaces and common areas the field adjuster may not have walked. We prepare a line-item estimate of the damage. We read the policy, including the endorsements, deductibles and coinsurance terms that change what a claim is worth. Then we present the claim to the carrier in writing and handle the back and forth so the owner or the property manager can keep running the building.
Central Florida is our home market. The office is in Sanford, twenty-five minutes from downtown Orlando, so a loss in Orange, Seminole, Osceola, Lake or Volusia County gets a same-week inspection from the person who will handle the file, not a call center.
Condo and HOA associations in Central Florida
Central Florida has thousands of condominium and homeowner associations, from lakefront towers in Orlando and Sanford to garden-style communities in Altamonte Springs, Casselberry and Kissimmee. An association claim runs under the master policy, and the board carries a fiduciary duty to handle it with care. The carrier will often scope only the units with visible damage. The board's job is to make sure the whole building is documented, including common elements and areas that took water from the same event without obvious surface damage.
Since 2024 many Central Florida condo buildings three stories or higher have been through a milestone inspection or a Structural Integrity Reserve Study. Those reports list what is wrong with the building. They do not say whether any of it is a covered insurance loss. When a report describes cracked stucco, a failing roof membrane or water intrusion, the board needs an answer to the maintenance versus claim question before repairs erase the evidence. Our milestone and SIRS deadline guide covers the dates. Our board member page covers how we work with boards and community association managers.
Boards also face Florida's claim notice deadlines: one year from the date of loss for a new claim and eighteen months for a supplemental claim, with a specific extension when a loss assessment is involved. If the association already has a denial or an estimate that looks short, our guide to an underpaid or denied claim in Florida explains what to do in order.
The perils that actually hit Central Florida buildings
Central Florida is inland, so the claims here look different from the coast. Surge is rare. Wind, rain, tornadoes, aging roofs and old plumbing do most of the damage. These are the five loss types we see most on commercial and association property in the region.
Hurricane and wind
Central Florida sits far enough inland that storms arrive weakened but wide. Ian in 2022 and Milton in 2024 both did their damage here with rain, wind and tornadoes rather than surge. Roof systems, windows, screen enclosures and interior water intrusion are the usual scope items.
How we handle this claim type →Roof damage
Most of the region's commercial and association roofs are flat or low-slope membrane systems that are twenty or more years old. The question on almost every roof claim is the same: storm damage or wear. Documentation of the roof's condition before the event decides it.
How we handle this claim type →Plumbing and cast iron
Condo buildings and apartment communities built before the mid 1970s often still run on original cast iron drain lines. When those lines fail, the water damage is sudden but the pipe is old, and carriers read the policy closely on both points.
How we handle this claim type →Fire and smoke
A fire in one unit or one tenant space affects the whole building. Smoke, water from suppression, code upgrades and the cost to reach damaged material behind finished surfaces are the parts of a fire claim most often scoped short.
How we handle this claim type →Business interruption
When a building cannot be used, lost income and extra expense are separate coverages with their own paperwork. They are the lines most often left unclaimed on Central Florida commercial losses.
How we handle this claim type →How a Central Florida claim works with us
Claim review
You send the policy, the carrier's letters and any estimate you have. We tell you what the file says, what is missing and which Florida deadlines apply. No obligation.
Written contract
If it makes sense to work together, you sign a Florida public adjuster contract that states the fee terms in writing before any work begins. Florida law sets limits on that fee and gives you a cancellation window.
Inspection and documentation
We walk the whole property, not only the areas with visible damage, and build a dated photo record, a line-item estimate and a policy analysis that ties each item to the coverage that applies.
Presentation to the carrier
We present the claim in writing and handle carrier communication, adjuster meetings and requests for information so the board or owner does not have to run the claim alone.
Resolution
Most claims resolve through negotiation. When the dispute is about the amount rather than coverage, the appraisal clause in most policies is the next step. If a coverage dispute needs a lawyer, we say so.
A public adjuster cannot promise an outcome and does not decide what a policy covers. Results depend on the policy, the documentation and the facts of each loss. This page is general information, not legal advice or a coverage determination.
City pages
Have a Central Florida claim looked at before you sign anything.
Send the policy, the carrier's letter or the estimate. We will tell you what it says, what is missing and which deadlines still apply. No obligation. James calls you back the same day.
FL Public Adjuster W482618 / Firm G350978 / 5165 Fillmore Pl, Sanford FL 32773