Hurricanes. Specifically, Hurricane Ian in 2022 and Hurricane Milton in 2024. Historically, Florida's Gulf Coast was relatively safe from hurricanes, as most storms originated in the Atlantic Ocean and struck the east coast. However, rising ocean temperatures have created more favorable conditions for tropical storm development in the Gulf of Mexico, leaving the Naples area vulnerable to repeated, devastating storms. These events have brought significant destruction and financial strain to the region, catching many homeowners and businesses unprepared.

If your home or business suffers damage from a hurricane, fire, plumbing issue, or similar event, the challenges often continue long after the initial disaster. Navigating an insurance claim can be a stressful and complicated process, burdened with confusing terminology and strict deadlines. Policyholders must fulfill their obligations quickly to ensure their claims are approved — often while living in uninhabitable conditions. Meanwhile, insurance carriers frequently delay processing claims, adding further frustration to an already difficult situation.

Chances are, you or someone you know has experienced an insurance company nightmare. Perhaps your carrier tested your patience with endless delays and sluggish responses, using the hurricane as an excuse for taking two weeks to answer a single email. Maybe you covered the cost of all the repairs, only to find your carrier unwilling to fully reimburse you. In some cases, they might even deny your claim outright, offering little to no explanation.

While insurance carriers should ideally handle your claim fairly, the reality is that you may not always receive the attention and treatment you deserve. That’s where our public adjusters in the Naples area become an invaluable resource.