Claims Representation

When the Carrier Lowballs Your Claim. We Respond.

You paid for coverage. You deserve the full benefit of that policy, not the minimum the carrier can negotiate you into accepting.

CCG takes over the entire claims process (documentation, carrier communication, scope negotiation, and final settlement) so you never have to navigate it alone.

8+ yrs

Adjusting Florida property claims

16,000+

Hours handling claims

24hr

Response SLA after loss notification

$0

Upfront cost. We work on contingency

Results vary by claim. Past experience does not guarantee future outcomes.

Types of Claims We Handle

Commercial loss representation across all perils.

Wind & Hurricane

Florida's primary peril. Roof damage, envelope failure, interior water intrusion.

Water & Flood

Pipe failures, roof leaks, storm surge. Complex to scope and easy to underpay.

Hail Damage

Often dismissed or minimized by carriers. We document every impact.

Fire Damage

Structural, smoke, and business interruption claims on commercial properties.

Roof Collapse

Engineering coordination, code compliance, and full replacement negotiation.

Business Interruption

Lost revenue due to covered property damage, often overlooked, always recoverable.

How We Work

We take over completely. You focus on your property.

01

Free Claim Review

We evaluate your loss, your policy, and your documentation position before you pay us anything.

02

Letter of Representation

We sign the LOR and immediately take over all carrier communication. You stop talking to them. We do.

03

Damage Documentation

Drone aerial, professional photography, line-item scope of damage, engineering coordination if required.

04

Negotiation & Settlement

We negotiate the full scope with the carrier adjuster and pursue the full documented value of your loss.

Common Questions

What property owners ask before hiring CCG.

Does hiring a public adjuster actually get me more money?

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 losses, that depth matters even more due to policy complexity.

My carrier already made an offer. Is it too late?

No. A carrier's initial offer is almost never their final offer. CCG can dispute the settlement, request re-inspection, or invoke the appraisal clause. Talk to a public adjuster before you accept the carrier's offer.

What is the appraisal process in Florida?

Most Florida commercial policies include an appraisal clause: binding dispute resolution for amount disagreements. Both parties appoint appraisers, and an umpire decides. CCG manages the entire process.

How long will my claim take?

Florida law requires carriers to pay or deny within 90 days of proof of loss. Complex commercial claims often take 6–18 months. CCG holds carriers to statutory deadlines throughout.

Report Your Loss

Free review. No obligation. 24-hour response.

Submit your loss information and James will personally review your policy, your damage description, and your options before any commitment is made.

No recovery, no fee.

CCG works on contingency. We only get paid when you get paid, and we fight to maximize what that payment is.

property owner

Report Your Claim

We respond within 24 hours.

No obligation. Response within 1 business day.

Submitting this form does not create a public adjuster-client relationship. No representation begins until a written contract is executed. Filing an insurance claim may affect future premiums and renewals. Coyne Commercial Group, Florida public adjusting firm license #G350978. James Coyne, primary adjuster, license #W482618.