We take over the claim. You focus on your property.
From the first review to the final payment, here is exactly how CCG handles a Florida insurance claim, and the deadlines the carrier is held to along the way.
01
Free Claim Review
We evaluate your loss, your policy, and your documentation position before you pay anything. If you do not have a claim worth pursuing, we tell you.
02
Letter of Representation
We sign the LOR and immediately take over all carrier communication. Once filed, the carrier must go through us, which protects you from recorded statements, premature offers, and rushed inspections before the damage is documented.
03
Damage Documentation
Drone aerials, professional photography, a line-item scope of the full loss, and engineering coordination where a claim requires it. Documentation is where claims are won.
04
Negotiation
We negotiate the full documented scope with the carrier’s adjuster and hold them to the statutory timeline. If they will not move, we can invoke appraisal or refer to a property insurance attorney.
05
Settlement
We pursue the full documented value of your loss through to final payment. You approve the resolution. No fee unless we recover for you.
Florida law puts the carrier on a clock. We hold them to it.
14 days
to acknowledge your claim after you report it.
90 days
to pay or deny the claim after proof of loss.
1 year
your deadline to give notice of a new or reopened claim (from date of loss).
18 months
your deadline to give notice of a supplemental claim.
Deadlines are general and can vary by policy and loss type. For weather losses, the date-of-loss clock starts at hurricane landfall or the date NOAA verifies the event. More on claim deadlines →