Two eyewalls over Punta Gorda
NHC reports Charley’s eye passed over Punta Gorda in 2004, and Ian made a second landfall near Punta Gorda in 2022 at about 145 mph.
Charlotte County · Florida
Charlotte County Public Adjuster: Punta Gorda, Port Charlotte & Englewood Claims
Charlotte County took the eyewalls of Charley in 2004 and Ian in 2022. American Financial Claims reviews roof, water and wind claims across Punta Gorda, Port Charlotte and Englewood, including files the insurer paid little or nothing on.
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Only in Charlotte County
Local facts that shape property claims.
Record river flooding inland
NHC says the Peace and Myakka Rivers crested at record levels after Ian, flooding homes far from the Gulf. River flooding is a flood-policy question, separate from wind.
Canals and older roofs
Punta Gorda Isles and Port Charlotte canal homes, many with older roofs, mix wind, rain and dock damage on one file.
A local recovery we can share
Pam’s Punta Gorda windstorm claim started at a $0 insurer payment and ended in an $87,000 recovery.
What hits Charlotte County properties
The losses we document most often.
Hurricane wind and roof damage
Shingle, tile and metal roofs, soffits and lanai screens after Charley, Ian and Milton-type storms.
River and surge flooding
Peace and Myakka River crests and Englewood-area surge belong on flood coverage, not homeowners.
Interior water after roof openings
Rain through damaged roofs shows up later as ceiling stains, wet insulation and mold.
Denied or $0 claims
Initial evaluations that find nothing payable are often worth a second, documented look.
Storm history (NOAA)
What the National Hurricane Center recorded here.
- Charley (Aug 13, 2004): NHC reports the eye passed over Punta Gorda and the eyewall struck Punta Gorda and Port Charlotte with devastating results. The Punta Gorda ASOS measured a gust to 97 knots (about 112 mph) before it stopped reporting. Source: NHC report
- Ian (Sep 28, 2022) made a second landfall near Punta Gorda at an estimated 125 knots (about 145 mph). The Punta Gorda ASOS reported a peak gust of 117 knots (about 135 mph). Source: NHC report
- Milton (Oct 9–10, 2024): NHC reports 6 to 9 feet of surge inundation from Venice south to Boca Grande, with an isolated peak near 10 feet estimated near Manasota Key. Source: NHC report
FEMA declarations
FEMA-declared storms for Charlotte County.
From FEMA’s disaster declarations data for Charlotte County: household-aid (Individual Assistance) disasters since 2004.
Hurricane Milton
Charlotte County designated for Individual Assistance (aid to households) and Public Assistance.
Hurricane Helene
Charlotte County designated for Individual Assistance (aid to households) and Public Assistance.
Hurricane Idalia
Charlotte County designated for Individual Assistance (aid to households) and Public Assistance.
Hurricane Ian
Charlotte County designated for Individual Assistance (aid to households) and Public Assistance.
Hurricane Irma
Charlotte County designated for Individual Assistance (aid to households) and Public Assistance.
Hurricane Jeanne
Charlotte County designated for Individual Assistance (aid to households) and Public Assistance.
Charlotte County recoveries
Real Florida claims. Real checks.
Insurer’s first payment $0
$87,000
Pam · Punta Gorda, FL
Read the story ↗︎Recoveries clients authorized us to share. Every insurance claim is different, and prior results do not guarantee a similar outcome. See the Florida claim stories, before and after →
Nearby pages
Cities we cover in Charlotte County.
These are service areas, not separate offices.
Charlotte County FAQ
Questions people ask before hiring.
Deadlines, Florida public adjuster fees and local coverage questions. Start with a free review, or text us now.
Text an adjusterHow long do I have to file a Florida property claim?
Florida law (Fla. Stat. 627.70132) generally requires notice of a new or reopened claim within 1 year of the date of loss and a supplemental claim within 18 months. For hurricanes, the date of loss is the landfall date. Your policy may require faster notice. If you are unsure whether your Charlotte County file is still open, bring the policy and carrier letters to a free review at (239) 444-8101.
My insurer said the damage was below my deductible. Can that be reviewed?
Yes. A hurricane deductible in Florida is often a percentage of the dwelling limit, so a low first estimate can land under it and produce a $0 payment. A complete scope of roof, interior and other structures damage sometimes clears the deductible. We review the estimate line by line.
Do you handle claims in Englewood and the Cape Haze area?
Yes. We review property claims throughout Charlotte County, including Englewood, Rotonda West and the Cape Haze peninsula, and neighboring Sarasota County.
What are public adjuster fees in Florida?
Florida law caps public adjuster contingency fees in most property claims at 20% of the amount paid by the insurer under the policy. For claims arising from a declared state of emergency, a lower 10% cap typically applies for one year after the declaration. Ask for fees and services in writing before you sign. A free review does not create a fee.
Charlotte County roof and water claims, including $0 and denied files. Free claim review.
Sources
- FEMA: Hurricane Milton (DR-4834)
- FEMA: Hurricane Helene (DR-4828)
- FEMA: Hurricane Idalia (DR-4734)
- FEMA: Hurricane Ian (DR-4673)
- FEMA: Hurricane Irma (DR-4337)
- FEMA: Hurricane Jeanne (DR-1561)
- OpenFEMA Disaster Declarations Summaries (dataset)
- NHC Tropical Cyclone Report: Hurricane Charley (2004)
- NHC Tropical Cyclone Report: Hurricane Ian (2022)
- NHC Tropical Cyclone Report: Hurricane Milton (2024)
- Fla. Stat. 627.70132 (claim deadlines)
- Hero photo: Punta Gorda FL Residential HD01a.jpg (Ebyabe, CC BY-SA 3.0)