Sanibel Public Adjuster for Hurricane and Flood-Related 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 Sanibel file is still open, bring the policy and carrier letters to a free review at (239) 444-8101.

Damage below the lowest elevated floor from surge is generally a flood-policy question, and flood policies limit coverage in those areas. Wind damage to the structure above is generally the homeowners policy. We document both so you know what each should pay.

Yes. We review property claims on Sanibel and Captiva and throughout Lee County.

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.