Collier County Public Adjuster: Naples, Marco Island & Everglades Claims

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 Collier County file is still open, bring the policy and carrier letters to a free review at (239) 444-8101.

It depends on the declaration and both policies. The association’s master policy usually covers the building structure and common elements; your HO-6 often covers interior finishes, improvements and contents, and may include loss assessment coverage. We read both and document which damage belongs on which claim.

Not always. If matching tiles are unavailable or the underlayment is damaged, the scope can extend well beyond the visibly broken pieces. Policy language and Florida roof rules matter, so we document slope by slope before the carrier finalizes its estimate.

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.