For condominium associations, HOAs, and manufactured-housing park operators in Melbourne, two storms in six weeks turned master-policy claims into a sorting problem: which damage belongs to Ian and which belongs to Nicole. A commercial claim here is won on documentation that separates the storms and covers the entire property, not a sampling of it.
What decides a commercial claim in Melbourne.
Beachside towers face milestone inspections on top of storm claims
SB 4-D's accelerated 25-year inspection timeline for buildings within three miles of the coast puts Melbourne's beachside towers on a structural-review clock at the same time storm claims from Ian and Nicole may still be open. A fully documented insurance claim can recover funds that offset costs a board would otherwise raise through a special assessment.
Two storms in six weeks means two documented claims, not one
Ian's wind and Nicole's erosion hit many of the same Space Coast properties within weeks of each other. Carriers routinely try to attribute the second event's damage to the first, already-settled claim. Separating and dating the damage from each storm is what protects the association's full recovery on both.
Manufactured-housing parks need building-wide, unit-by-unit documentation
Barefoot Bay and Brevard's other manufactured-housing communities represent a large share of the county's wind-claim exposure, and a park-wide storm claim is won by documenting damage unit by unit rather than relying on a general estimate for the whole property.
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.
Melbourne boards and operators: what they ask us.
Does the association or the unit owners file after Ian and Nicole?
Generally both, and separately for each storm. The association claims the building, roof, and common elements under the master policy for each named event; owners claim their unit interiors under their own policies. With two storms six weeks apart, keeping each claim tied to its own event, rather than letting a carrier merge them, is what protects both the association and the owners.
Can our park or association recover the rent or lot fees lost while units were unusable?
Generally yes, though what gets recovered looks different across Brevard's mix of property types. A beachside condo or apartment building recovers lost unit rent, while a manufactured-housing community like Barefoot Bay recovers the lot fees it stops collecting when homes are uninhabitable. Both are covered for the reasonable period of restoration, and because the two income models are calculated so differently, each needs its own records to support the number.
Our building has a milestone inspection coming up and storm damage that never fully resolved. Where do we start?
With documentation of the storm damage first. A fully documented insurance claim for Ian, Nicole, or a later event can recover money that offsets repair costs the milestone inspection may also flag, rather than leaving the association to fund both separately.
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 Melbourne.
Book a claims-readiness presentation in Melbourne.
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 Brevard County and the surrounding Volusia, Indian River, Osceola, Orange county area.
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Denied, underpaid, or stuck in dispute in Melbourne? Depending on when your claim was reported and where it stands, options may remain.
Property damage in Melbourne? 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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