Orlando's real hurricane risk was never the wind alone. When Hurricane Ian tracked across the state on September 28 and 29, 2022, it dropped up to 16 inches of rain on Orange County, with some neighborhoods seeing 14 to 20 inches, and Orange County Fire Rescue performed more than 1,700 water rescues while nearly two feet of water sat in some homes for over a week. The county's property appraiser later put the damage at more than $200 million, and most of it landed on households that never had a flood policy to answer with.
Coyne Commercial Group is headquartered in Sanford, twenty-five minutes from downtown Orlando, which makes Orange County home turf rather than a service area we drive into after the fact. We represent Orlando homeowners, condominium and HOA associations, and hospitality and commercial operators on insurance claims from first inspection through final settlement, across Orange County and its neighbors, Osceola, Polk, Lake, Seminole, Volusia, and Brevard, on a contingency basis: no recovery, no fee.
Whether the loss is fresh, underpaid, or caught in a wind-versus-flood dispute, the pattern holds here the way it does everywhere in Florida: the owners who document the damage, not just the water line, recover more than the owners who accept the first number a carrier offers.
What Orlando property owners have been through.
Hurricane Ian inland flooding
Ian tracked across the state after its southwest Florida landfall and dropped up to 16 inches of rain on Orange County, overwhelming stormwater systems. Orange County Fire Rescue performed more than 1,700 water rescues, some homes held nearly two feet of standing water for more than a week, and the county's debris contractor collected roughly 355,000 cubic yards of debris.
The flood-insurance gap Ian exposed
Only 2,039 buildings in Orlando carried federal flood insurance out of roughly 130,000 households, a 1.5 percent coverage rate, despite over a foot of rain falling across Orange and Osceola counties. The result was widespread wind-versus-flood causation disputes, with flood insurers calling the damage wind-caused and homeowners insurers calling the same damage flood-caused.
Hurricane Milton flooding and tornado outbreak
Milton left flooding and wind damage across parts of Orange County, with multiple water rescues including a family of four pulled from a home in the Edgewater and Winter Park area, and a sinkhole opened in Apopka after a water-main break during the storm. The National Weather Service confirmed tornado tracks over East Central Florida as part of an outbreak that produced 46 confirmed tornadoes statewide, three reaching EF3 intensity, and set a one-day record of 126 tornado warnings.
Orange County property damage, Ian
Hurricane Ian caused more than $200 million in property damage in Orange County according to the county's Property Appraiser, damage driven almost entirely by inland rainfall rather than coastal storm surge.
Orlando's housing stock carries a median build year around 1992, a mix of older established neighborhoods and newer suburban construction, with roughly 18 percent of homes built between 1940 and 1969 and about 38 percent built in 2000 or later. International Drive anchors the region's hospitality and commercial corridor, with dense hotel inventory next to the Orange County Convention Center and active new development, including a planned InterContinental Orlando and recent large hotel-property sales along the corridor.
The Orlando metro carries 130,464 hotel rooms at an average occupancy near 72 percent, and the metro population has reached roughly 2.94 million with 2.7 percent annual growth, the fastest of any major U.S. metro, driving a steady pipeline of new multifamily and commercial construction. That growth means claims here span everything from decades-old suburban homes to hotel towers still under warranty, each with its own documentation issues when water finds its way in.
Only 1.5 percent of Orlando households carried federal flood insurance when Ian hit, leaving most of the inland flood damage uninsured through a standard flood policy and pushing homeowners back onto their property policy to argue the damage was wind, not flood. Orange County carries 44,610 Citizens Property Insurance policies in force, a sign of how much of the private market has already pulled back from Central Florida.
That retreat is not a local story alone. Farmers exited all Florida home, auto, and umbrella business in July 2023, AAA non-renewed bundled policies in the same window, Bankers Insurance and AIG-Lexington left in 2022, and Florida has lost more than 30 home insurers in recent years. In a market moving carriers out this fast, the ones that remain scrutinize every claim, which makes a fully documented file the difference between a fair settlement and a denial built on causation.
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 Orlando.
Homeowners
Hurricane, wind, water, mold, and fire claims on Orlando homes, documented and pursued for full value.
Residential claims →Associations, Boards & Operators
Master-policy, common-element, and large-loss commercial claims for Orlando condominiums, HOAs, and multifamily operators.
Commercial claims →Claim types we handle in Orlando.
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