Fort Myers Beach Public Adjuster: Estero Island Surge, Wind & Rebuild 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 Fort Myers Beach file is still open, bring the policy and carrier letters to a free review at (239) 444-8101.

Generally the flood policy pays for surge and rising water, and the homeowners or wind policy pays for wind and wind-driven rain damage. Many Fort Myers Beach claims need both. We document each area of damage with its cause so neither carrier shifts its share to the other.

Yes, when the loss is a covered property claim. Bring the policy, any landlord or rental endorsements, rental calendars and carrier letters. Loss-of-rents coverage depends on the form; we review what the documents support.

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.