Naples has taken on floodwater from four hurricanes since 2017: Irma made landfall on Marco Island just south of the city in September 2017, Ian pushed nearly 12 feet of surge into Collier County in September 2022, and Helene and Milton both flooded parts of the city again in the fall of 2024. That kind of repeat exposure means Naples property owners are fighting the same causation battle over and over, how much of the damage was wind, and how much was water.
Naples has taken floodwater from four separate hurricanes since 2017, and each new claim has to be untangled from the ones that came before it. Coyne Commercial Group represents Naples homeowners, condominium and HOA associations, and commercial property owners through that fight, on a contingency basis, no recovery, no fee, across Collier County and neighboring Lee and Hendry.
Naples carries some of the highest-value coastal real estate in the country, from Port Royal’s Gulf-front estates to aging beachfront condo towers now working through Florida’s mandatory Milestone Inspection requirements. High-value property and repeat storm exposure both point to the same conclusion: undocumented damage gets underpaid, and Naples has had more storms to test that rule than almost anywhere else on the Gulf coast.
What Naples property owners have been through.
Hurricane Irma
Irma made a Florida landfall on Marco Island as a Category 3 with sustained winds of 112 mph, just a few miles south of Naples. It was the first hurricane to directly impact Naples since Hurricane Wilma in 2005 and triggered an estimated 6.5 million evacuations statewide, the largest in Florida history.
Hurricane Ian
Ian made Florida landfall as a Category 4 and drove storm surge of nearly 12 feet into Collier County. The flooding reached downtown Naples, including the Fifth Avenue South and Third Street South shopping and dining districts, and submerged the Naples Pier boardwalk under at least 3 feet of water.
Hurricane Helene
Helene made landfall in Florida’s Big Bend, but its storm surge caused flooding throughout portions of the city of Naples, with some areas reporting flood depths of 30 inches or more.
Hurricane Milton
Milton made landfall near Siesta Key as a Category 3, and its flooding reached many areas of Naples as well, with flood depths ranging from a few inches to near 4 feet.
Naples spans a wide range in both age and value. Port Royal, the city’s most exclusive waterfront neighborhood, comprises roughly 640 ultra-luxury estate homes with a median price above $23 million and direct Gulf access, among the highest-value residential real estate in the country. Historic Olde Naples contributes older bungalows and cottages near downtown, while mid-rise and high-rise Gulf-front condo towers line Park Shore, the Moorings, and the beachfront, many dating to the 1970s through the 1990s, alongside newer luxury construction inland and along the coast.
A meaningful share of that coastal condo stock is now 25 years or older and falls under Florida’s SB 4-D mandatory structural Milestone Inspection requirement. Naples condo associations are actively working through those inspections, and the structural findings they turn up are increasingly colliding with insurance coverage questions, especially on buildings that have already been through Ian, Helene, and Milton.
Citizens Property Insurance Corporation, the state’s insurer of last resort, offers basic home and wind-only coverage for homes in Naples’ highest-risk coastal areas, a reflection of how far the private insurance market has retreated from this coastline. More than 1.2 million Floridians statewide now rely on Citizens, a figure driven heavily by coastal, high-risk counties like Collier.
Florida as a whole has carried a wildly outsized share of the nation’s homeowner insurance lawsuits, roughly 76 to 79 percent of the nationwide total in recent years against only about 9 percent of nationwide claims, though that share has declined since tort reform, to around 71.5 percent by 2023. Naples policyholders are negotiating against carriers that operate in one of the most litigated insurance markets in the country.
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 Naples.
Homeowners
Hurricane, wind, water, mold, and fire claims on Naples homes, documented and pursued for full value.
Residential claims →Associations, Boards & Operators
Master-policy, common-element, and large-loss commercial claims for Naples condominiums, HOAs, and multifamily operators.
Commercial claims →Claim types we handle in Naples.
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