Marco Island Public Adjuster: Condo, Waterfront Home & Hurricane 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 Marco Island file is still open, bring the policy and carrier letters to a free review at (239) 444-8101.

Often yes. The association’s master policy usually handles the building and common areas, while your HO-6 may cover interior finishes, improvements, contents and loss assessments. We review both to make sure your part of the damage is claimed.

It depends on the policy. Many homeowners forms limit or exclude docks, seawalls and similar structures, while some schedule them. Bring the declarations page and policy and we will check before anyone argues coverage.

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.