Insurance Appraiser in Naples, FL

A community of associations

A large share of Collier County homeowners live in a condominium or homeowners association, from Gulf-front towers on Park Shore and Pelican Bay to golf communities east of US-41. That means many claims involve a master policy covering roofs, exterior walls and common elements, plus individual policies for unit interiors. When a hurricane damages an entire community, the association’s claim can be large and complex, and boards are often asked to make decisions under time pressure.

Our condo and HOA claim appraisal work helps boards document building-by-building damage and present a defensible amount of loss, while unit owners can retain us separately for interior claims.

Surge, wind and the Gulf-front home

Ian’s surge reached deep into Old Naples, Aqualane Shores and Vanderbilt Beach, flooding homes that had never taken water before. Many of those properties also had wind damage to roofs, windows and lanais. As elsewhere in Southwest Florida, flood losses usually fall under a separate flood policy and wind losses under the homeowners policy, so the allocation can drive the outcome. Appraisal values the damage; which policy pays for it is a coverage determination.

See our hurricane claim appraisal page for how we document mixed-cause losses.

Pricing the finishes Naples homes actually have

Custom cabinetry, natural stone, impact-rated window systems, metal and tile roofs, and outdoor living spaces are standard in much of Naples. An estimate that uses builder-grade line items can understate a loss significantly. We document finish levels during the inspection and price repairs with materials of like kind and quality, sourcing specialty items where needed.

Lanais, screen enclosures, outdoor kitchens, docks and boat lifts are also part of many Naples claims. Some of these items have their own sublimits or exclusions under the policy, which is a coverage matter, but where they are covered, their repair cost deserves the same careful measurement as the house itself.

Seasonal residents also face a timing problem: damage may go unnoticed until an owner returns months later. Florida claim notice deadlines have become stricter, so it is worth checking the claim deadline calculator and your policy as soon as you learn of damage.

Florida Insurance Appraiser in Collier County

Florida Insurance Appraiser serves Naples, Marco Island, Golden Gate, Immokalee and the rest of Collier County as part of our statewide coverage. We are independent appraisers, not public adjusters or attorneys, and we don’t argue coverage. Once appraisal is invoked under your policy, we inspect, build an itemized estimate, and work toward an agreed figure with the insurer’s appraiser, with an umpire deciding any unresolved items.

Storms that shaped Naples claims

• 1960
  Hurricane Donna
  Donna’s surge swept through Naples and remains a historical benchmark for flooding in the city.
• 2005
  Hurricane Wilma
  Wilma made landfall at Cape Romano just south of Marco Island and caused widespread roof and tree damage across Collier County.
• 2017
  Hurricane Irma
  Irma made landfall at Marco Island, bringing strong winds, roof damage and surge to coastal Collier County.
• 2022
  Hurricane Ian
  Although Ian’s eye came ashore farther north, its surge flooded Old Naples, Vanderbilt Beach and parts of Naples Park to record levels.

Claim issues we see in Collier County

• HOA and gated-community master policy disputes
• Gulf-front surge vs. wind damage
• High-end interior finishes and matching
• Tile and metal roof replacement scope
• Seasonal-resident losses discovered late

Areas we cover around Naples

• Old Naples
• Port Royal
• Park Shore
• Pelican Bay
• Vanderbilt Beach
• Golden Gate
• Marco Island
• Naples Park