Florida property claim representation
A clearer path through your Naples condo claim.
Luxury finishes, shared building systems and overlapping policies can make a condominium loss difficult to untangle. We help Naples policyholders document the damage and present a supported claim.
A live person answers our main line 24/7, including holidays. Call (888) 881-8416 to start your free initial claim review.
Reviewed November 5, 2026. Coverage and available remedies depend on your policy, loss facts and applicable law.
Start with the unit policy and the association’s role
A water, wind or fire loss may affect both an individual unit and property insured under the association’s master policy. Identify the insured party, affected components and available policies before assigning repair costs. Florida’s condominium insurance provisions are more specific than a simple “inside versus outside” distinction.
Read association and owner policy differences and section 718.111. Disputed legal responsibility, assessment allocation and board authority should be reviewed by qualified counsel.
Document the materials actually installed
Custom cabinetry, natural stone, premium flooring, specialty lighting and other improvements need accurate descriptions and supporting records. Photographs, original specifications, invoices and qualified repair proposals help establish the proposed work. A generic allowance may not explain the materials or installation involved.
Our luxury property claim approach focuses on a detailed, supportable scope. Coverage and the amount payable still depend on the policy, damage and applicable law.
Common claim questions we help organize
- Where did water enter, and which rooms or shared components were affected?
- What did the mitigation contractor observe and document?
- Does the insurer’s estimate include the documented damage and necessary access?
- Which materials can be cleaned, dried or repaired, and what supports replacement?
- Which work is proposed for the unit, and which work belongs to the association’s claim?
- What information remains outstanding with the insurer?
Wind, water and flood need separate attention
Wind-driven rain, a plumbing failure and storm surge can involve different coverage provisions. Do not assume that one policy insures every source of water. Review the homeowner or unit policy, association policy and any separate flood coverage, and document the cause and location of damage carefully.
See our guides to water damage claims, hurricane claims and fire and smoke damage. Qualified restoration or engineering input may be needed for technical questions.
Protect the property without losing the evidence
Take reasonable safe steps to prevent additional damage and notify the appropriate insurer and association promptly. Photograph conditions before removal when practical. Keep emergency-work records and preserve evidence where safe; do not delay necessary protection while waiting for a claim review.
Coordinate reconstruction with the association and required permits or approvals. An insurance estimate is not authorization to alter shared property or a substitute for technical and legal review.
Boards and managers: master-policy claims
If you are calling for a condominium association, identify the authorized point of contact and affected buildings. We can help organize a property claim involving common areas, roofs, exteriors, shared systems and documented damage across multiple locations. Visit our condominium and HOA master-policy service.
Speak with our Naples office
Experienced Public Adjusters
3606 Enterprise Avenue, Suite 221
Naples, FL 34104
(239) 497-4507
Tell us the property location, loss date, claim number and what the insurer has decided. We serve Naples and surrounding Southwest Florida communities, with local office information here.
Public adjusting services are provided under a written agreement. We do not provide legal advice or guarantee a settlement. For an individual unit claim, our condominium claim guide explains the documents and next steps.
Concerned about a claim payment?
Experienced Public Adjusters helps Florida property owners document damage and present supported claims, with a focus on luxury homes, complex residential losses, condominium and HOA master policies, and commercial property.
Call (888) 881-8416 Request a claim review
Serving Naples, Tampa, Orlando, Daytona Beach and surrounding communities. Find our offices and service areas.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters: firm license W807213. Representation is subject to a written agreement; no settlement outcome is guaranteed.