A Sarasota homeowner filing a claim after 2024 is often filing two claims at once, one for Helene and one for Milton, thirteen days apart. Carriers in this climate scrutinize which storm caused which damage and are quick to push disputed surge figures in their own favor. A licensed public adjuster documents the loss, builds the scope, and negotiates on your behalf, on contingency.
What decides a residential claim in Sarasota.
Two storms, thirteen days apart, means two claims
Helene and Milton hit Sarasota County within two weeks of each other in 2024, and each is its own claim with its own date of loss. Separating what each storm did, especially on a roof or structure that took damage twice, is a documentation problem that determines whether both claims get paid.
Surge estimates for Milton don’t agree, and that is your leverage
Sarasota County’s own figures put Milton’s surge at 6 to 9 feet above ground level, while the National Hurricane Center’s official report says 5 to 8 feet. When even the government sources disagree by several feet, a carrier’s single estimate for your specific property is not the final word, documented evidence of your property’s actual water line is.
Milestone Inspections and cast-iron findings can trigger coverage disputes
On older barrier-island condos, a Milestone Inspection or a cast-iron plumbing failure can turn up findings that a carrier tries to label pre-existing wear rather than storm-related damage. That distinction is argued with documentation, not decided by the first adjuster’s opinion.
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.
Sarasota homeowners: what they ask us.
We had damage from both Helene and Milton. Is it too late to file or settle those claims?
It depends on when each claim was reported and where it stands now. Florida law set strict windows for new and supplemental hurricane claims, and for storms from the fall of 2024 those windows are largely behind us. If a 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 where things stand.
The carrier is using its own surge estimate for our property. Can we push back?
Yes. Storm-wide surge estimates, whether from the county or the National Hurricane Center, are general figures, not a measurement of what actually reached your specific address. Property-level documentation, watermarks, debris lines, photos, and timing, is what determines your claim, not a countywide average.
Do you handle claims on Siesta Key, Longboat Key, and Lido Key as well as the mainland?
Yes. We serve all of Sarasota County, including the barrier islands of Siesta Key, Longboat Key, and Lido Key, downtown Sarasota, and the surrounding mainland communities, plus neighboring Manatee, DeSoto, and Charlotte 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 Sarasota.
Denied, underpaid, or stuck in dispute in Sarasota? Depending on when your claim was reported and where it stands, options may remain.
Property damage in Sarasota? 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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