A Stuart homeowner filing a wind or flood claim is filing in a city where water is part of daily life, which means carriers are quick to ask whether damage is new or just the water finally catching up to an old problem. As your licensed public adjuster, we document what happened and when, separate wind from water in the scope, and negotiate the claim for you, on contingency: no recovery, no fee.
What decides a residential claim in Stuart.
Tornado wind damage inside city limits is confirmed and covered
The National Weather Service confirmed an EF-2 tornado touched down near I-95 and US-1 in Stuart on October 9, 2024. That is a documented wind event under a standard homeowner policy, the same as hurricane wind, and it deserves the same documentation: wind speed, damage pattern, and the timeline tying it to the confirmed event.
King tides, surge, and a full moon can flood the same property twice
Nicole's 2022 flooding of Stuart's Riverwalk, parks, and finger piers came from storm surge, king tides, and a full moon acting together, not from wind alone. On a waterfront or near-waterfront home, carriers look for reasons to call recurring water intrusion old damage. Documenting each event separately, as it happens, is what keeps a new loss from being written off as pre-existing.
Underpaid Nicole or Ian claims may still have options
Florida's notice and supplemental-claim deadlines are strict, and for most Nicole and Ian 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.
Stuart homeowners: what they ask us.
Our home was hit by the tornado, not a hurricane. Is that covered?
Yes, generally. The National Weather Service confirmed an EF-2 tornado touched down in Stuart near I-95 and US-1 on October 9, 2024. Tornado wind damage is covered under a standard homeowner policy the same way hurricane wind is. Because it was not a named hurricane, documenting the confirmed event and the damage pattern matters more, not less.
We keep hearing we need both flood and wind coverage. Why?
Citizens Property Insurance requires flood coverage alongside wind coverage on personal residential policies statewide, and in a waterfront city like Stuart that pairing reflects real risk: storm surge, king tides, and hurricane wind can all reach the same property in the same event. Without both, a homeowner can end up with a gap between what the wind policy pays and what the water actually did.
We think our Nicole or Ian 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 2022 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 Martin County, not just the city of Stuart?
Yes. We serve all of Martin County, plus neighboring St. Lucie, Palm Beach, Hendry, Glades, and Okeechobee 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 Stuart.
Denied, underpaid, or stuck in dispute in Stuart? Depending on when your claim was reported and where it stands, options may remain.
Property damage in Stuart? 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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