Treasure Coast Public Adjuster

Counties in the Treasure Coast region

• Indian River County — Vero Beach, Sebastian, Fellsmere
• St. Lucie County — Fort Pierce, Port St. Lucie, Hutchinson Island
• Martin County — Stuart, Jensen Beach, Hobe Sound, Sewall's Point, Jupiter Island

Treasure Coast peril profile

The Treasure Coast's geography drives a specific claim mix:

• Direct Atlantic hurricane and tropical-storm exposure. Frances and Jeanne (2004) made landfall here; Matthew (2016) and Nicole (2022) caused significant damage; the 2024 season further stressed the carrier market.
• Barrier-island concentrations along Hutchinson Island, Jupiter Island, and the South Beaches produce combined wind, surge, and wind-driven-rain claims with wind-vs-flood causation disputes.
• Indian River Lagoon frontage introduces non-NFIP and limited-NFIP exposure for properties not in a mapped flood zone but materially exposed to back-bay flooding.
• High-value waterfront stock in Sewall's Point, Stuart, and Jupiter Island concentrates valuation and matching-statute disputes.
• Older inland building stock in Fort Pierce and parts of unincorporated St. Lucie County faces aggressive carrier scope reduction and roof-age underwriting.

Cities we serve in the Treasure Coast region

Indian River County

• Vero Beach
• Sebastian
• Fellsmere

St. Lucie County

• Fort Pierce
• Port St. Lucie
• Hutchinson Island
• River Park
• Indian River Estates

Martin County

• Stuart
• Jensen Beach
• Hobe Sound
• Sewall's Point
• Jupiter Island

Carrier landscape on the Treasure Coast

The Treasure Coast carrier market has tightened sharply post-2022. Citizens Property Insurance is increasingly the carrier of last resort along the coast; private carriers have non-renewed or surcharged aggressively on barrier-island properties; private wind-only and surplus-lines policies are now common where they were rare a decade ago. The policy structures matter: a homeowner with a Citizens primary and a wind-only excess has different allocation considerations than a homeowner with a single bundled HO-3.

Statutes most-applied in Treasure Coast claims

• Fla. Stat. 627.70131 / 627.70132 — response deadlines and supplemental window
• Fla. Stat. 626.9744 — matching, especially for tile roofs and discontinued finishes
• Fla. Stat. 627.701(2) — hurricane deductibles, frequently contested
• Fla. Stat. 624.155 — Civil Remedy Notice / bad faith

Talk to a Treasure Coast public adjuster

Call (888) 824-1306 or request a free claim review. Licensed Florida public adjusters, 21+ years of experience, 500+ mediations. No recovery, no fee.