90+
billion-dollar weather disasters have struck Florida since 1980 (NOAA)
8+ yrs
James Coyne adjusting Florida property claims
48 hrs
the window before carrier documentation locks in their position against yours
16,000+
hours James Coyne has spent handling claims
Results vary by claim. Past experience does not guarantee future outcomes.
Your carrier's adjuster will be there within 48 hours.
They're not there to help you. They're there to establish the carrier's version of events before yours exists. Every hour without documentation is an hour the carrier's narrative goes uncontested.
Get CCG There First“The carrier's first offer is almost never their best. The difference between a lowball offer and a fair settlement usually comes down to documentation that existed before the storm hit.”
James Coyne, CCG Founder
Four realities about Florida commercial property insurance.
01
The carrier's adjuster will be at your property within 48 hours of a loss.
They're not there to help you. They're there to establish the carrier's version of events before yours exists. Every hour of delay in documentation is an hour the carrier's narrative goes uncontested.
02
Most commercial policies have provisions that are never read until it's too late.
Hurricane deductibles calculated as a percentage of insured value. Maintenance exclusions carriers weaponize against legitimate claims. Business interruption triggers buried in the endorsements. CCG reads every word before a loss, not after.
03
The first settlement offer is almost never the right one.
Carriers open low. That's strategy, not math. The gap between an initial carrier offer and a properly negotiated settlement on a commercial loss routinely exceeds $200,000. That gap is your money, and it's recoverable.
04
Pre-loss documentation is the single most powerful tool in a claim.
The carrier's most reliable defense is claiming damage was pre-existing. Timestamped drone imagery, inspection reports, and policy reviews taken before the event eliminate that argument entirely. The property owner with the best documentation wins.
The property owner with the best documentation wins.
The property owner with the best pre-loss documentation controls the narrative. CCG builds that record for you: timestamped inspections, policy reviews, and a complete baseline the carrier can't argue with.
James Coyne, Florida Licensed Public Adjuster #W482618
CCG works exclusively with commercial properties.
No residential. No volume play. No shortcuts.
James Coyne personally reviews every property assessment and every claim file. This isn't a national firm routing your claim to a junior adjuster. You get the principal, and the accountability that comes with it.