A West Palm Beach homeowner filing a wind or storm claim is filing into a market shaped as much by the 2024 tornado outbreak as by any hurricane, with carriers quick to question causation and slow to credit damage without a documented record. As your licensed public adjuster, we build the wind-event record, scope the full loss, and carry the negotiation for you, on contingency: no recovery, no fee.
What decides a residential claim in West Palm Beach.
Tornado damage is wind damage, and it is covered the same way
The EF-3 that hit a West Palm Beach neighborhood on October 9, 2024, and the EF-3 that hit brand-new homes in nearby Avenir the same day, were both wind events under a homeowner policy, no different from hurricane wind in how coverage works. Carriers sometimes treat non-hurricane wind claims as lower priority. Documenting the wind speed, the damage pattern, and the National Weather Service confirmation is what keeps a legitimate tornado claim from being underrated.
Nicole's beach erosion left older coastal homes exposed
Nicole's November 2022 surge and erosion hit a Palm Beach County coastline already worn down by Ian earlier that same year. Where erosion undermined a structure or drove water into a coastal home, the claim turns on documented storm data and damage patterns tying the loss to the named event, not on a carrier's assumption that older erosion is the real cause.
Underpaid Nicole or storm claims may still have options
Florida's notice and supplemental-claim deadlines are strict, and for most Nicole and 2024 tornado losses those windows are closing or 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.
West Palm Beach homeowners: what they ask us.
Our home was damaged by the tornado, not a hurricane. Is that still covered?
Generally yes. Tornado wind damage is covered under a standard homeowner policy the same way hurricane wind damage is. The difference is that carriers sometimes move slower or scrutinize harder on a non-hurricane wind event because there is no named storm attached to it in the news. Documenting the wind speed, the damage pattern, and the National Weather Service record is what keeps that claim on equal footing.
We think our Nicole 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 are closing or 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.
Our home is newer construction. Why would our tornado claim be disputed?
Age is not the issue with tornado claims the way it can be with older storm claims. What gets disputed is causation and scope, whether the carrier accepts the full extent of what the wind did. The Avenir tornado in Palm Beach Gardens proved brand-new, well-built homes take real structural damage. A documented inspection is what holds the carrier to the actual loss.
Do you handle claims across Palm Beach County, not just the city of West Palm Beach?
Yes. We serve all of Palm Beach County, including Palm Beach Gardens, Wellington, Royal Palm Beach, and the surrounding communities, plus neighboring Martin, Broward, 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 West Palm Beach.
Denied, underpaid, or stuck in dispute in West Palm Beach? Depending on when your claim was reported and where it stands, options may remain.
Property damage in West Palm 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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