A Melbourne homeowner filing a wind or erosion claim after back-to-back storms is filing into a market where carriers look hard for a reason to attribute new damage to an earlier event. A licensed public adjuster separates each storm's damage, documents the loss, and negotiates on your behalf, on contingency: no recovery, no fee.
What decides a residential claim in Melbourne.
Separating Ian's wind from Nicole's erosion decides the claim
Ian's 81 mph gust and Nicole's erosion hit the same barrier-island properties six weeks apart, and carriers routinely try to pin all the damage on whichever event happened first, or on a prior storm like Irma. A documented, dated damage record tied to each named storm is what keeps a second claim from being denied as duplicate.
Erosion claims need their own documentation, not an assumption of pre-existing wear
Nicole deemed more than half a dozen Melbourne Beach and Satellite Beach properties unsafe from erosion, including a home whose deck failure traced back to earlier Irma damage. Carriers can be quick to call erosion damage gradual or pre-existing. Documenting the storm-specific erosion event with dune and structural data is what supports a legitimate claim.
Mobile and manufactured homes carry their own claim challenges
With 165 mobile home parks countywide, including Barefoot Bay's 5,000-plus lots, Brevard's manufactured-housing stock faces outsized wind exposure and carriers that scrutinize older units closely. A documented pre- and post-storm condition record protects an owner from a carrier attributing damage to age rather than the storm.
Underpaid Ian or Nicole claims may still have options
Florida's notice and supplemental-claim deadlines are strict, and for most Ian and 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.
Melbourne homeowners: what they ask us.
Our home was damaged by both Ian and Nicole. Can we file two separate claims?
Generally yes, if the damage is documented separately. Ian's wind and Nicole's erosion were different events six weeks apart, and each is its own covered loss under most policies. The risk is a carrier lumping the two together or attributing Nicole's erosion to Ian's already-settled claim. Dated, storm-specific documentation is what keeps the two apart.
The carrier says our erosion damage is pre-existing wear, not storm damage. Is that accurate?
Not necessarily. Erosion accelerates dramatically during a named storm, and Nicole's erosion deemed several Melbourne Beach and Satellite Beach properties unsafe in a matter of days, not years. Dune-loss data, timestamped photos, and a documented before-and-after condition record are what distinguish storm-driven erosion from gradual, uncovered wear.
We think our Ian or 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 Ian and 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.
Do you handle claims across Brevard County, not just the city of Melbourne?
Yes. We serve all of Brevard County, including Melbourne Beach, Satellite Beach, Indialantic, Barefoot Bay, and the surrounding communities, plus neighboring Volusia, Indian River, Osceola, and Orange 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 Melbourne.
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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