Martin County Public Adjuster
Martin County, Florida. Atlantic-side Florida from Vero Beach to Jupiter. Licensed public adjusters available for claim review.
Martin County covers the Treasure Coast region of Florida, with Stuart as the county seat and a population of approximately 161,000. Atlantic-side Florida from Vero Beach to Jupiter. Roof damage from wind and the legacy of older housing stock drive claim volume.
Local claim patterns
Most common claim types in Martin County
What a wind damage claim in Martin County looks like, how to document it, and what your policy should cover.
What a roof damage claim in Martin County looks like, how to document it, and what your policy should cover.
What a hurricane wind claim in Martin County looks like, how to document it, and what your policy should cover.
What a water damage claim in Martin County looks like, how to document it, and what your policy should cover.
Market risk
The insurance market in Martin County
As of 2026-05-31, about 1,568 Martin County properties were insured by Citizens Property Insurance, Florida's state-backed insurer of last resort. Citizens is where homeowners land when private carriers decline or non-renew them, so its local footprint is a useful read on how hard the private market is here. Every carrier, Citizens included, has its own claim-handling patterns: how fast it pays, what it denies first, how it scopes roof and hurricane claims. Know yours before you file.
Loss history
Storm history that shapes Martin County claims
Martin County has taken documented impact from 8 named storms since 2004. The most severe local losses came from Hurricane Frances, Hurricane Jeanne. Each one shaped how carriers underwrite and adjust claims here, which is why storm causation and the date of loss matter on every Martin County claim.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
- 2024
Hurricane Milton (Cat 3)
Moderate damage. Treasure Coast tornado-outbreak zone; damaging tornadoes and rain
- 2022
Hurricane Nicole (Cat 1)
Moderate damage. Highest FL sustained wind ~62 mph (House of Refuge); Stuart surge ~4 ft.
- 2022
Hurricane Ian (Cat 4)
Minor impact. Outer-band rain flooded roadways; ~$6M coastal erosion; 1 death
- 2017
Hurricane Irma (Cat 4)
Moderate damage. 100 mph gust Hutchinson Island; 2-3 ft surge; 17 roads flooded
- 2016
Hurricane Matthew (Cat 3)
Minor impact. Tropical-storm-force winds, moderate beach erosion; ~17k evacuated; only ~$175k damage.
- 2005
Hurricane Wilma (Cat 3)
Moderate damage. 108 mph gust Hobe Sound; 120 dwellings extensively damaged, 48 destroyed; $95.7M
- 2004
Hurricane Frances (Cat 2)
Catastrophic. Cat 2 landfall/eyewall at Hutchinson Island; 1,129+ dwellings damaged, 52 destroyed; >$1B
- 2004
Hurricane Jeanne (Cat 3)
Catastrophic. Cat 3 landfall/eyewall near Stuart; 4,234 homes damaged, 181 destroyed; hospital roof lost
What is exposed
Housing and building stock in Martin County
Martin County's building stock shapes its claim profile. The median owner-occupied home is valued near $432,200 and dates to about 1986, with 61.3% of the stock built before 2000. Manufactured and mobile homes make up 8.8% of units, a stock especially exposed to wind. Older roofs, pre-modern-code construction, and manufactured housing all draw closer carrier scrutiny on wind, roof, and water claims, and are where scope and payment disputes concentrate.
Service area
Major cities and communities in Martin County
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Decision
When to call a public adjuster in Martin
If your Martin County claim is denied, delayed beyond statutory windows, or lowballed on scope, a licensed Florida public adjuster is the right next step. We are licensed by the state of Florida (DFS) under Florida Statute 626.854 to represent policyholders. The Homeowner Claim Bill of Rights spells out what carriers must do for you.
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more than you were offered.
Questions policyholders ask
FAQ
What does a public adjuster cost in Martin County?+
How long do I have to file a claim in Martin County?+
What carriers dominate Martin County?+
Is the hurricane deductible different in Martin County?+
What is the most common reason claims get denied in Martin County?+
Go deeper
Related resources for Martin County
What to do in the first 48 hours after any property damage.
From first notice of loss to final settlement.
Every common denial and what to do about it.
Statutes that protect policyholders.
Every term your insurance company will use.
Deductible, settlement, and decision tools.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Florida claim updates
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
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