Indian River County Public Adjuster

Atlantic hurricanes expose Indian River County to wind, surge, and lagoon-front flooding. Barrier-island and lagoon-side estates face compound losses where roof damage, broken windows, and rising water occur in the same event; insurers often try to assign damage to the excluded peril.

Condo and HOA properties along the coast require coordination between master policies and HO-6 unit coverage. Carriers dispute whether drywall, flooring, or personal property falls under the association policy or the unit owner's coverage, delaying payment while owners pay out of pocket.

Older Pre-FIRM structures inland and along the lagoon may sit below current base flood elevation. When repair estimates understate code-compliant restoration, owners discover at permit review that their settlement cannot fund a legal rebuild.

When repair or improvement costs equal or exceed 50% of market value in a Special Flood Hazard Area, structures must meet current flood protection standards, often including elevation of the lowest floor and relocated HVAC equipment.

Insurer estimates scoped to "like for like" patch repairs frequently ignore elevation, flood vents, and mechanical relocation that compliance requires. That gap between settlement and legal rebuild cost is where Indian River owners most need independent claim documentation.

Type C floodplain permits apply to SFHA construction and qualifying repairs. Elevation certificates on file for post-1990 floodplain construction support substantial-improvement reviews, we incorporate that data into claim packages so carriers cannot underfund compliant restoration.