The Plain-Words Playbook
What should a property manager do when a storm damages a community?
Four moves, in order: secure the property and stop further damage (mitigation is a policy duty), document everything before it gets touched, notify the carrier promptly so no deadline starts running unwatched, and bring in a licensed public adjuster early so the association's claim is built by a specialist instead of squeezed into your week. Coyne Commercial Group partners with Florida property managers and CAMs statewide on exactly this: we carry the claim, you keep the command, and your board sees a manager who had a plan.
Why the early call matters
The first days after a loss decide the claim. That is when the damage is freshest, the evidence is strongest, and the policy's clock starts. A public adjuster brought in early documents everything once, correctly, instead of reconstructing it later from vendor photos and memory. The association gets a stronger claim. You get your week back.
Kept clean, on purpose
One thing worth saying plainly: we do not pay referral fees, and we do not accept them. Florida law prohibits it, and it keeps every recommendation you make to a board exactly what it should be: a professional judgment, nothing else.
Questions Boards Ask
Straight answers
What should a property manager do first after storm damage?
Secure the property and stop further damage, document conditions before anything is moved or repaired, notify the carrier promptly, and bring in a licensed public adjuster early. In that order. Mitigation and prompt notice are policy duties; documentation and expert representation are what decide the recovery.
Who actually files the association's insurance claim?
The association is the policyholder, so the claim is filed on its behalf. A public adjuster licensed in Florida can prepare, file, and negotiate that claim for the association, reporting to the board, with the property manager as the operational point of contact.
How does a public adjuster make the property manager's job easier?
The claim is usually the heaviest, least familiar part of storm recovery. The public adjuster takes it whole: documentation, policy analysis, meetings with the carrier's adjusters, and negotiation. The manager keeps running the property and walks into board meetings with a specialist and a clear number instead of guesses.
Does it cost the property manager or management company anything?
No. The association engages the public adjuster on contingency: no recovery, no fee, capped by Florida law. And in the other direction: we do not pay referral fees to managers, ever. Florida law prohibits it, and it keeps every recommendation clean.
Can Coyne Commercial Group present directly to our board?
Yes. James Coyne presents to boards in plain English: what the policy says, what the damage is worth, and what happens next. Board communication is part of the job, not an extra.
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