A Jacksonville homeowner filing a wind or water claim, especially anywhere near the St. Johns River, is filing into a market still shaped by Irma's record flood and now reshaped again by new mandatory flood-insurance rules. A licensed public adjuster establishes causation, documents the full scope, and handles the back-and-forth with the carrier, on contingency, with no fee unless you recover.
What decides a residential claim in Jacksonville.
Wind versus flood is the defining dispute on riverfront property
A standard homeowners policy generally does not cover flood losses, and Jacksonville's St. Johns River basin has produced record flooding independent of a storm's wind field. Establishing what wind did to your property, separate from river or surge flooding, with weather data and a documented damage pattern, is often the whole claim on riverfront and low-lying property.
Historic Riverside, Avondale, and San Marco homes fight matching battles
On homes dating to 1871 through 1935 in Riverside and Avondale, or San Marco's 1925 planned community, carriers pay to patch when Florida's matching requirement and code-upgrade coverage can support a full, code-compliant repair. On construction this old, the difference is documented, detail by detail.
New flood-insurance rules change what a claim can even recover
Starting in 2025, many Citizens policyholders must carry separate flood coverage, even outside a high-risk flood zone. Understanding which policy covers which piece of the damage, before a claim is filed, is what keeps a riverfront or low-lying Jacksonville loss from falling into the wind-versus-flood gap entirely.
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.
Jacksonville homeowners: what they ask us.
My home flooded near the St. Johns River. Is that covered under my homeowners policy?
Generally not under a standard homeowners policy, which typically excludes flood. Flood losses require separate flood coverage, and starting in 2025 Florida law requires many Citizens policyholders to carry it even outside a high-risk zone. What matters first is determining whether your damage was wind-driven, water-driven, or both, since that determines which policy applies and how the claim should be built.
Our home is in a historic district. Does that change the claim?
It can. Riverside, Avondale, and San Marco homes built between 1871 and 1935 often carry materials and construction details that are expensive or impossible to source for a partial patch. Florida's matching requirement and ordinance-or-law coverage can support a full, code-compliant repair rather than a mismatched fix, if the claim is documented to show why.
Do you handle claims across Duval County, not just downtown Jacksonville?
Yes. We serve all of Duval County, including the beaches communities, the Westside near Cecil Commerce Center, and the surrounding neighborhoods, plus neighboring Nassau, Baker, Clay, and St. Johns 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 Jacksonville.
Denied, underpaid, or stuck in dispute in Jacksonville? Depending on when your claim was reported and where it stands, options may remain.
Property damage in Jacksonville? 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.
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