Southwest Florida Public Adjuster

Southwest Florida — Lee, Collier, and Charlotte counties — bore the most concentrated catastrophic-claim load in Florida from 2022 through 2024: Hurricane Ian, Hurricane Idalia outer bands, Hurricane Helene, and Hurricane Milton each affected this corridor materially. Many claims remain inside the 18-month supplemental window under Fla. Stat. 627.70132. Ocean Point Claims represents Southwest Florida policyholders on supplemental, reopened, and new-loss claims across all three counties.

Counties in the Southwest Florida region

Lee County — Fort Myers, Cape Coral, Bonita Springs, Estero, Sanibel, Captiva, Fort Myers Beach
Collier County — Naples, Marco Island, Bonita Bay, Golden Gate
Charlotte County — Punta Gorda, Port Charlotte, Englewood

Southwest Florida peril profile

Post-Ian supplemental concentration. Sanibel, Captiva, Fort Myers Beach, and Pine Island bore the brunt of Hurricane Ian's surge and wind; many claims have been reopened or remain inside the supplemental window
Storm-surge and barrier-island exposure on Sanibel, Captiva, Fort Myers Beach, Marco Island, and Boca Grande creates the most acute wind-vs-flood allocation disputes in Florida
Canal-front and waterfront residential stock in Cape Coral, Bonita Springs, and Naples concentrates back-bay flooding and dock/boat-lift accessory-structure exposure
High-value waterfront in Naples, Marco Island, and Boca Grande drives valuation and ACV/RCV depreciation disputes
Mobile home and manufactured housing stock in Charlotte and inland Lee County requires specialized claim handling

Cities we serve in the Southwest Florida region

Lee County

Fort Myers
Cape Coral
Bonita Springs
Estero
Fort Myers Beach
Sanibel
Captiva
Pine Island

Collier County

Charlotte County

Carrier landscape in Southwest Florida

The post-Ian carrier market is the tightest in Florida. Citizens has absorbed substantial barrier-island and coastal book; private carriers have non-renewed aggressively; many properties now carry surplus-lines or layered wind-only coverage. Insurer-of-last-resort status is common on the barrier islands. Supplemental claims under Fla. Stat. 627.70132 remain a major recovery vehicle; carrier closure rates on initial claims have been low enough that re-examination commonly produces material additional recovery.

Statutes most-applied in Southwest Florida claims

The full Florida framework, with Fla. Stat. 627.70132 (18-month supplemental window) carrying particular weight given the post-2022 catastrophe load.

Featured Southwest Florida case study

Carl & Suzie — Sanibel hurricane claim — recovered $740,553 against an initial $194,000 carrier offer.

Talk to a Southwest Florida public adjuster

Call (888) 824-1306 or request a free claim review.