A Delray Beach homeowner filing a storm or water claim is filing into a market where the building's age is often the first thing a carrier questions, and where the answer has to come from documentation, not assumption. As your licensed public adjuster, we document the loss down to the original materials, build the matching-aware scope, and negotiate the claim for you, on contingency: no recovery, no fee.
What decides a residential claim in Delray Beach.
Century-old construction meets modern storm risk
On homes in Delray's historic districts, some dating to the early 1900s, with Old School Square's stock spanning 1902 to 1945, carriers routinely propose a patch repair when Florida's matching requirement can support a more complete result on materials and finishes that have not been made the same way in decades. The difference is documented, line by line.
Nassau Park and the Marina district sit closest to the water
Nassau Park is the only historic district east of the Intracoastal, and the Marina Historic District sits directly on it, both cottages and waterfront homes built in the 1920s through the 1940s. Erosion and storm exposure hit these blocks first, and establishing the storm data and damage pattern tying loss to a named event like Nicole is central to the claim.
Underpaid Nicole claims may still have options
Florida's notice and supplemental-claim deadlines are strict, and for most Nicole losses those windows have passed. But if your claim was reported on time and remains open, underpaid, or disputed, avenues such as appraisal or referral to a property insurance attorney may still be available. A free review tells you where you stand.
We Build Your Claim The Way Ford Built The Assembly Line.
Henry Ford didn’t try to be the expert at everything. He surrounded himself with specialists, each mastering one part of the work, and assembled the result into something no individual could build alone. We document claims the same way. For a serious loss, one adjuster’s opinion is not enough, so we bring in the right specialists, pull a full report from each, and assemble them into a claim the carrier cannot dismiss.
Building Consultants
Read the structure and the code the way an insurer’s engineer does, so nothing covered gets left out of scope.
General Contractors
Real-world repair pricing and sequencing that holds up when the carrier questions the cost to rebuild.
Structural Engineers
Independent reports on causation and structural damage that carry weight the carrier can’t wave off.
Professional Estimators
Line-item Xactimate estimates built to the same software and standards the carrier’s own adjuster uses.
Contents Specialists
Full inventory and valuation of damaged personal property and business contents, item by item.
Water & Mold Testing
Moisture mapping, thermal imaging, and lab testing that prove the source, the spread, and the cause of loss.
We don’t send an adjuster. We send a team.
These specialists are independent third-party professionals brought in for documentation and evidence purposes. CCG does not perform repair work and holds no financial interest in any repair or remediation contract.
Delray Beach homeowners: what they ask us.
Our home is in one of Delray's historic districts. Does that change how a claim is handled?
It changes what the carrier will try, not what you are owed. On homes built in the early-to-mid 1900s, carriers often propose a patch when the materials cannot actually be matched and Florida's matching requirement supports a more complete repair. Documenting the original materials and the extent of damage is what protects a historic home from an underpaid patch job.
We think our Nicole settlement was too low. Is it too late to do anything?
It depends on when the claim was reported and where it stands now. Florida law set strict windows for new and supplemental hurricane claims, and for most Nicole losses those have passed. If your claim was timely reported and is still open or in dispute, options such as appraisal or a referral to a property insurance attorney may remain. We review it free and tell you honestly whether anything can still be pursued.
Our home is near the Intracoastal in the Marina district. What is different about a waterfront claim there?
Waterfront homes built in the 1920s and 1930s carry both age-related claim issues and direct storm and erosion exposure. Establishing what wind and water each did, and tying it to a documented event, matters more here than on an inland property, because a carrier has more angles to argue the damage was pre-existing.
Do you handle claims across Palm Beach County, not just Delray Beach?
Yes. We serve Delray Beach and all of Palm Beach County, plus neighboring Martin, Broward, Hendry, Glades, and Okeechobee counties.
General information only, not legal advice or a coverage determination. Coverage depends on your specific policy, the facts of your loss, and current Florida law.
Claim types we handle in Delray Beach.
Denied, underpaid, or stuck in dispute in Delray Beach? Depending on when your claim was reported and where it stands, options may remain.
Property damage in Delray Beach? Start with a free review.
James reviews every submission personally and responds within 24 hours. No obligation, and no fee unless we recover for you.
← All service areasReport Your Claim
We respond within 24 hours.