A Ponte Vedra Beach homeowner filing an erosion or wind claim is filing into a market where the shoreline itself carries a formal high-erosion-risk designation and the property values at stake are genuinely seven figures. A licensed public adjuster documents the loss down to the dune line, and negotiates on your behalf, on contingency: no recovery, no fee.
What decides a residential claim in Ponte Vedra Beach.
Erosion claims are won with the county's own critically eroded designation
FDEP's formal designation of 17.1 miles of St. Johns County coastline, including the South Ponte Vedra and Vilano Beach segment, as critically eroded is documented, government-sourced evidence, not a homeowner's characterization. Tying your property's specific damage to that designation and to a documented storm like Ian, Nicole, or Milton is what separates a covered loss from a denial.
Completed dune-restoration work does not mean a home stays protected
The Spencer family's home lost its dune protection despite a just-finished restoration project. When a carrier points to public beach-restoration spending as a reason to dispute a claim, the documented reality on the ground, what the storm actually did to your specific property, is what the claim has to establish.
Seven-figure oceanfront property needs claim documentation to match
With oceanfront listings reaching $23.5 million and a county median well over $1 million, an underdocumented claim on Ponte Vedra Beach property can leave a genuinely large sum on the table. A claim this size needs a scope built to the property's actual value, not a generic estimate.
Underpaid Ian, Nicole, or Milton 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, with Milton windows closing. 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.
Ponte Vedra Beach homeowners: what they ask us.
Our home lost dune protection and the carrier is disputing whether the damage is covered. What matters most?
Documented, storm-specific evidence. FDEP has formally designated 17.1 miles of St. Johns County's coastline, including the South Ponte Vedra and Vilano Beach segment, as critically eroded, and the Ian-and-Nicole erosion event that struck the area in 2022 is independently documented. Tying your property's specific damage to that designation and that event, rather than letting a carrier characterize it as gradual wear, is what supports the claim.
A dune-restoration project had just been completed near our home before the storm damaged it anyway. Does that hurt our claim?
It shouldn't, though carriers sometimes point to public restoration spending as if it should have prevented all damage. The Spencer family's South Ponte Vedra home lost its protection despite a just-finished dune project, and their experience is well documented. What the claim needs is evidence of what actually happened to your property, not an assumption based on what the restoration project was supposed to do.
We think our Nicole or Milton 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 Nicole losses those have passed, with Milton windows closing. 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 St. Johns County, not just Ponte Vedra Beach itself?
Yes. We serve all of St. Johns County, including South Ponte Vedra, Vilano Beach, St. Augustine, and the surrounding communities, plus neighboring Duval, Flagler, Putnam, and Clay 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 Ponte Vedra Beach.
Denied, underpaid, or stuck in dispute in Ponte Vedra Beach? Depending on when your claim was reported and where it stands, options may remain.
Property damage in Ponte Vedra Beach? 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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