Public Adjuster Collier County

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Collier County Public Adjuster - Shoreline Public Adjusters

Irma came ashore near Marco Island in 2017, and five years later Ian put water 6 to 9 feet above the ground in Naples. FEMA's flood file ties 7,813 Collier County claims to Ian and 2,663 to Irma, and 1,380 of the Irma claims closed with no building payment.

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How a Public Adjuster Helps After a Collier County Storm

Collier's two defining storms did different damage. Irma made landfall near Marco Island, where the police department reported a 113-knot gust, while Ian's surge reached inland along the Gordon River, Rock Creek and the Cocohatchee River.

FEMA's flood records show how differently those claims closed. Of 2,663 Irma flood claims in Collier County, 1,380 ended without a building payment, and 366 of those carry code 06, not actual flood. Of Ian's 7,813, 1,785 ended without one.

We tie each part of a loss to the storm and to the water or wind behind it, check it against the storm record from NOAA and the National Hurricane Center, and bring it to the policy responsible for it. The flood damage and hurricane damage pages explain each side.

At least 88 buildings were destroyed in Collier County during Irma and 33 during Ian, by National Hurricane Center counts.

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Collier County Storm Claims on the Record

FEMA figures pulled 2026-09-14 from its flood claims and assistance files, plus NOAA's county damage estimate.

7,813

Ian flood claims in Collier County

FEMA rates 7,124 of them in flood zone AE.OpenFEMA NFIP Claims

1,380 of 2,663

Irma flood claims with no building payment

366 closed under code 06, not actual flood.OpenFEMA NFIP Claims

72,046

Irma assistance registrations in Collier

5,392 listed Immokalee as the damaged city.OpenFEMA Individual Assistance

$2.2B

Ian damage estimate for the county

The county-wide figure reported in NOAA's storm event record.NOAA Storm Events

Collier County Claims Under Florida Law

Collier's storms span three versions of Florida's notice statute. Our state page covers the rest.

Irma, Ian and 2024 ran on different notice rules627.70132

Florida uses landfall as a hurricane's date of loss. For Irma in 2017 the statute allowed 3 years for notice; the version in force when Ian struck in 2022 allowed 2 years, or 3 years to add a supplemental claim; and policies written or renewed after December 16, 2022 get 1 year and 18 months. For Irma, Ian, Helene and Milton, every one of those windows has now closed.

Helene and Milton share one 2024 deductible627.701

Both 2024 storms reached Collier County, and FEMA's flood file holds 441 Helene claims and 1,351 Milton claims. On the wind side, a hurricane deductible on a personal residential policy written by one insurer or insurer group counts once for the calendar year, and for the second storm the insurer may use the greater of the unused hurricane deductible or the other-perils deductible.

Florida's claim deadlines, deductibles and fee caps in full

Collier County Communities We Serve, From the Coast to Immokalee

Collier's coast, islands and inland towns each took different storms. Here is how each part of the county fared.

Naples, Pelican Bay and Vanderbilt Beach

Ian's surge along the Gulf and rivers

The National Hurricane Center put Ian's inundation at 6 to 9 feet in Naples and 8 to 12 feet in North Naples, and the Naples Pier tide gauge read 6.18 feet above mean higher high water before it was destroyed. NOAA's record traces the surge inland along the Gordon River, Rock Creek and the Cocohatchee and Palm River areas, and on August 4, 2024, high water entered homes in Naples, Pelican Bay and Vanderbilt Beach.

NaplesNorth NaplesPelican BayVanderbilt Beach

Marco Island and Goodland

Where Irma came ashore

Irma made landfall near Marco Island, where the police department reported a 113-knot gust, and Ian later left a high-water mark 4.7 feet above ground on the island. On August 4, 2024, an estimated 50 to 70 vehicles were stranded on Marco Island's flooded roads and water reached up to 6 inches inside some low-lying buildings. Irma's surge flooded numerous homes in Goodland with major to catastrophic damage.

Marco IslandGoodland

Everglades City, Chokoloskee and Plantation Island

Irma's highest surge

Irma's surge ran 4 to 8 feet across the county and highest around Chokoloskee and Everglades City, and the National Hurricane Center found that the majority of structures in Everglades City suffered major wind or water damage. Milton's inundation reached about 6 feet in Chokoloskee, and in June 2024, up to 14 inches of rain in 48 hours sent water into homes in Everglades City.

Everglades CityChokoloskeePlantation Island

Lely, Golden Gate Estates and Immokalee

Tornadoes and inland wind

On January 16, 2022, a tornado left at least minor damage on 20 homes in the Victoria Falls neighborhood, with more damage found in Lely Resort. NOAA logged EF-0 tornadoes on September 25 and 26, 2024, one in Golden Gate Estates and one on Randall Boulevard. Inland, FEMA holds 5,392 Irma assistance registrations from Immokalee and 2,686 from Ian, when gusts near 70 mph were measured in the Immokalee area.

Lely ResortGolden Gate EstatesImmokalee

Nearby Florida pages

Bonita Springs Fort Myers

Collier County Claim Options: Adjuster, Attorney or On Your Own

A Collier County storm claim is first a question of what the water and the wind did, and that is proven with evidence.

Recommended

Public Adjuster

Proves cause, storm by storm

Separates surge from wind and one storm from the next, then presents each part to the right policy.
Charged as a share of claim payments within Fla. Stat. 626.854 on residential policies, with no upfront fee.

Insurance Lawyer

When the fight is legal

Coverage suits, bad faith claims and disputes over what policy language means.
A disagreement over how much damage there is can be handled without suing.

Handle It Yourself

Small loss, one cause

Can work when one storm caused a small, clear loss.
Harder on a flood claim, where 1,380 of 2,663 Collier Irma claims closed with no building payment.

Compare an adjuster, an attorney and doing it yourself under Florida law

Collier County Losses We Handle

Seven loss types, each tied to what NOAA, FEMA or the National Hurricane Center recorded in Collier County.

Storm

Gulf and River Storm Surge

Ian's surge covered almost all of Collier County south and west of Tamiami Trail from Everglades City to the Lee County line, and FEMA rates 7,124 of the county's 7,813 Ian flood claims in zone AE and 218 in zone VE. More on flood damage claims.

Storm

Irma's Wind and Roof Damage

Naples Municipal Airport reported a 123-knot gust during Irma, and at least 88 buildings were destroyed county-wide. Wind damage is claimed under the homeowners or windstorm coverage, and a hurricane deductible, as section 627.4025 defines it, applies to hurricane loss.

Regional

Rain Flooding

From June 11 to 13, 2024, parts of Collier County received up to 20 inches of rain over three days, and Everglades City took up to 14 inches in 48 hours with water entering homes.

Regional

Tornado Damage

A January 16, 2022 tornado left at least minor damage on 20 homes in the Victoria Falls neighborhood, and NOAA logged EF-0 tornadoes in Golden Gate Estates and on Randall Boulevard in late September 2024. Our wind and tornado page has more.

Common

Claims Closed as Not Actual Flood

Of Collier County's 5,184 flood claims with no building payment, 885 carry code 06, not actual flood, meaning the building loss was not paid as a flood.

Common

Homes Needing Repairs to Be Livable

FEMA marked 5,024 of Collier's Irma registrations and 5,334 of its Ian registrations as needing repairs before the home could be lived in.

Specialty

Two 2024 Hurricanes on One Policy

Helene and Milton both reached Collier County in 2024, so Florida's annual hurricane deductible rule in section 627.701 can decide how much of the second claim is paid.

How a Collier County Claim Moves

Each step builds on the evidence gathered in the one before it.

1

Name the storm

Under Fla. Stat. 627.70132, a hurricane's date of loss is its landfall, so every Collier claim begins by identifying the storm behind the damage.

2

Measure the water and the wind

We compare water lines and roof damage with the county's storm record, from Ian's 6 to 9 feet in Naples to Irma's 123-knot gust at the Naples airport.

3

Build the estimate

We price each repair against the cause that covers it, including code upgrades a first estimate can leave out.

4

Track the insurer's deadline

Under Fla. Stat. 627.70131, the insurer must pay or deny within 60 days of notice; we keep that date in writing.

The Florida statutes behind these steps sit in the Florida claim rights section of our state page. City-level detail is on our Naples and Marco Island pages, and Lee County owners can use our Lee County page.

Collier County Public Adjuster FAQ: Irma, Ian and Flood ZonesHow many Ian flood claims came from Collier County?FEMA's flood file ties 7,813 Collier County NFIP claims to Ian, and 1,785 of them ended with nothing paid on the building. The National Hurricane Center counted 33 buildings destroyed and over 3,500 with major damage in the county.
Where did Irma make landfall in Collier County?Near Marco Island, at 1930 UTC on September 10, 2017, with estimated maximum winds of 100 knots. The Marco Island Police Department reported a 113-knot gust, and Naples Municipal Airport reported a 123-knot gust around the same time.
Which Collier County flood zones were Ian's claims in?FEMA's file rates 7,124 of Collier County's 7,813 Ian flood claims in zone AE, 218 in zone VE and 335 in zone X.
Which part of Collier County had the highest storm surge?During Irma, the Chokoloskee and Everglades City area: NOAA's record puts the county's surge at 4 to 8 feet, highest there. During Milton, inundation reached about 6 feet in Chokoloskee.
How many Collier County FEMA registrations followed Irma?FEMA holds 72,046 valid Irma registrations from Collier County, including 5,392 from Immokalee and 2,580 from Marco Island, and it marked 5,024 of them as needing repairs before the home was habitable.
Is it too late to claim for Helene or Milton in Collier County?Yes, under the notice statute. Florida's current limits, which apply to policies written or renewed since December 16, 2022, give 1 year from a storm's landfall to report it and 18 months to add a supplemental claim under Fla. Stat. 627.70132, and both have passed for Helene and Milton.
Helene and Milton both hit my Collier County home. Do I pay two hurricane deductibles?Fla. Stat. 627.701 counts a hurricane deductible on a personal residential policy written by one insurer or insurer group once per calendar year. On the later 2024 storm, the insurer may charge whichever is larger, the unused part of that deductible or the other-perils deductible.
What does a Collier County public adjuster cost?On a residential or condominium unit owner claim, Fla. Stat. 626.854 limits the fee to ten percent of claim payments when the claim comes from a Governor-declared emergency and is made in the first year after the declaration, and to twenty percent when there is no declared emergency or the claim is made after that first year. There is no upfront fee.

A Collier County Claim Came Back Low. Here Is Where to Look.

When a Collier storm payment comes in short, look first at what the insurer decided about the cause, the scope or the timing.

1

Find the closing reason

Ask for the reason in writing. In FEMA's Collier file, 885 of the 5,184 flood claims with no building payment carry code 06, not actual flood.

2

Separate the storms

A home hit by Helene and Milton in 2024, or by Irma and Ian years apart, needs each repair dated to one storm before either claim is priced.

3

Confirm what notice went in

The notice windows for Irma, Ian, Helene and Milton have all run, so an older Collier file depends on what reached the carrier in time.

Share the insurer's decision letter with your declarations page, and we can tell you which of these fits. Book a free claim review.

Collier County FEMA Aid and Insurance: Two Separate Tracks

Individual Assistance from FEMA is a disaster aid program, not insurance. After Ian, FEMA marked 5,334 Collier registrations as needing repairs before the home was habitable, a record kept apart from any flood or homeowners claim.

Reporting damage to FEMA and reporting it to your insurer are two different steps. The hurricane claim page covers the insurance side.

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