On the evening of April 12, 2023, Fort Lauderdale-Hollywood International Airport recorded 25.91 inches of rain in roughly 12 hours, a 1-in-1,000-year rainfall event and the city's wettest day on record, shattering a mark that had stood since 1979. NOAA put total damage at $1.1 billion. The airport closed for about two days, canceling more than 1,100 flights, and Fort Lauderdale Fire-Rescue fielded over 900 calls in a single night while a shopping center roof gave way under the water.
Fort Lauderdale's mix of postwar single-family homes and coastal condo towers absorbed a 1-in-1,000-year rain event in 2023, and Coyne Commercial Group represents the homeowners, condominium and HOA associations, and commercial property owners still working through what it left behind, from first inspection through final settlement. We work Broward County and neighboring Miami-Dade and Palm Beach on a contingency basis: no recovery, no fee.
Fort Lauderdale's property stock runs from 1970s-era single-family homes that make up a large share of the city's current housing inventory to coastal condo towers now facing the same statewide inspection and assessment pressure reshaping South Florida. The city's own preservation plan flags older homes as more physically vulnerable to today's weather risks, which is exactly the argument carriers reach for when a claim is not backed by documentation.
What Fort Lauderdale property owners have been through.
Fort Lauderdale flood
A 1-in-1,000-year rainfall event dropped 25.91 inches of rain at Fort Lauderdale-Hollywood International Airport in roughly 12 hours, the city's wettest day on record. Total damage was estimated at $1.1 billion. The airport closed for roughly two days, canceling 1,119 or more flights and affecting 64,000 passengers, more than 900 calls came into Fort Lauderdale Fire-Rescue, a shopping center roof collapsed, over 22,000 power outages were reported, and a federal disaster declaration followed on April 28, 2023.
Tropical Storm Eta
Eta brought a regional South Florida flooding event, with more than 13 inches of rain falling across parts of the area over roughly two days.
Hurricane Irma
Irma pushed storm surge slightly greater than 3 feet along the Broward coastline from Hallandale Beach to Fort Lauderdale, with one hurricane-force gust of 76 mph recorded at Seminole Tribe headquarters in Hollywood. Broward County logged 38,836 insurance claims.
University of Florida historic-preservation research documents a "very definite shortage" of postwar housing built between 1945 and 1975 in Fort Lauderdale for low- and middle-income families during the city's building-boom era, and homes from that 1970s wave still account for a large share of the city's current housing inventory. The City of Fort Lauderdale's own Strategic Historic Preservation Plan references older homes as more physically vulnerable to Southeast Florida's climate risks, a characterization carriers are quick to lean on when disputing a claim.
Much of that older stock is also reported to carry original cast-iron plumbing, common in South Florida homes built before 1975 and prone to corrosion with age, though that figure traces to a single industry source rather than a government count. Along the coast, Fort Lauderdale's condo towers sit under the same statewide SB 4-D structural inspection and reserve-funding rules driving assessments and premium increases across South Florida's condo market.
Broward County Citizens Property Insurance policies fell 56 percent year over year in 2025 data, part of a broader four-county Southeast Florida decline as the state's insurer of last resort sheds policies faster than most private carriers want to absorb them. Broward homeowners increasingly find themselves on newer private policies with shorter local track records.
Statewide condo master-policy premiums have risen roughly 102 percent over three years according to the Insurance Information Institute, and Broward's coastal towers are subject to the same SB 4-D milestone inspection and reserve-funding requirements driving six-figure special assessments elsewhere in South Florida. Between an insurance market in flux and a large share of the city's housing stock flagged by its own preservation plan as vulnerable, Fort Lauderdale owners are navigating a claims environment where undocumented damage rarely gets paid in full.
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.
Who we represent in Fort Lauderdale.
Homeowners
Hurricane, wind, water, mold, and fire claims on Fort Lauderdale homes, documented and pursued for full value.
Residential claims →Associations, Boards & Operators
Master-policy, common-element, and large-loss commercial claims for Fort Lauderdale condominiums, HOAs, and multifamily operators.
Commercial claims →Claim types we handle in Fort Lauderdale.
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