From waterfront homes, high-rise condos, and seasonal rentals to hotels, restaurants, medical centers, schools, and distribution facilities, Clarke & Cohen guides Florida policyholders through every step of the claim, beginning the day of the loss and staying involved until it's resolved.

Common Property Claims in Florida

Florida losses come with complications most states never see. Hurricane claims often involve both wind and flood damage, which fall under separate policies with separate deductibles, and sorting the loss correctly between them is essential, something owners in Fort Myers and Naples learned after Ian and the Tampa Bay area saw again with Milton. Roof claims face strict notice deadlines under Florida law. The state's humidity turns even modest water intrusions into mold losses on a short clock. Beyond the tropics, lightning strikes more often in Central Florida than anywhere in the country, sinkholes affect properties across the Orlando and Tampa corridors, and condo associations from Miami and Fort Lauderdale to Sarasota and St. Petersburg manage layered master policies on large shared buildings. For the hospitality businesses of Jacksonville, West Palm Beach, and the Keys, business interruption is often the largest part of the loss.

In every case, our consultants represent the policyholder alone, confirming coverage across all applicable policies, documenting damage in detail, valuing the complete loss, and presenting a claim built for a full recovery.