For condominium associations, HOAs, and commercial property owners in Fort Lauderdale, the April 2023 flood tested master-policy coverage on a scale most buildings had never planned for, and it landed on top of a condo market already under SB 4-D inspection and assessment pressure. A commercial claim here is won on documentation that covers the whole property, not a sampling of it.
What decides a commercial claim in Fort Lauderdale.
A record flood still needs a building-wide scope
Water at record-breaking depth does not damage every unit or every system the same way. Ground-floor units, mechanical rooms, garages, and common areas each need their own documented assessment, and a claim scoped from a sample of the building rather than the whole property tends to settle short.
Assessment pressure raises the stakes on every insurance dollar
With statewide condo premiums up roughly 102 percent over three years and SB 4-D inspection and reserve-funding requirements now in force, Broward associations are managing costs from every direction. A fully documented insurance claim for a covered flood, wind, or water loss recovers dollars the association would otherwise have to raise through assessment.
Loss of rents and business interruption are their own claim
While units, offices, or commercial space sat unusable after the 2023 flood or a later storm event, the income the property stopped earning is generally a separate covered loss with its own documentation. On Broward association and commercial claims, it is frequently the most under-claimed line item on the file.
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.
Fort Lauderdale boards and operators: what they ask us.
Our association's claim from the April 2023 flood is still unresolved. Is that normal?
Unfortunately common on a loss of that scale. Large, building-wide flood claims involving mechanical systems, common areas, and dozens of units routinely take years to fully resolve when contested. If the claim was timely reported and remains open or disputed, a documented re-scope and, where appropriate, appraisal or attorney referral can move it. We review association claims free.
Does the association or the unit owners file after a flood like April 2023?
Generally both, though a flood on the scale of April 2023 tends to hit shared systems, elevators, garages, and mechanical rooms nearly as hard as individual units. The association is generally responsible for those shared systems and common areas, while owners file separately for their own unit interiors. Because water at that depth rarely respects those boundaries cleanly, a single building-wide documentation effort tends to serve both filings better than treating them apart.
Can we recover the rent we lost while a property was down for repairs?
Generally yes. With hundreds of businesses and residences affected by the April 2023 flood at once, from flooded ground-floor retail to homes waiting weeks on repairs, lost rental and business income was one of the most commonly shortchanged pieces of the claim. It requires its own documentation, separate from the property repair estimate, built from what the space was actually earning before the water came in.
What does a presentation for our board or management company look like?
Thirty to forty-five minutes, in person or over lunch: what a public adjuster does, what Florida law requires of carriers, how associations protect themselves before and after a loss, and what proper documentation looks like. No cost and no obligation, and boards are welcome to bring their property manager and counsel.
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 Fort Lauderdale.
Book a claims-readiness presentation in Fort Lauderdale.
A 30 to 45 minute lunch-and-learn for your board, management team, or office: what Florida law requires of carriers, how associations and operators protect themselves before and after a loss, and what proper documentation looks like. No cost, no obligation.
Serving Broward County and the surrounding Miami-Dade, Palm Beach, Collier, Hendry county area.
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Denied, underpaid, or stuck in dispute in Fort Lauderdale? Depending on when your claim was reported and where it stands, options may remain.
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