How a claim works with CMG
A clear process, regular updates and one point of contact from start to finish.
Free review
We talk through what happened, read your policy and tell you whether we can help. No cost and no obligation.
Inspect and document
We inspect the property, photograph and measure the damage and build a detailed, line-item repair estimate.
File and negotiate
We present the claim to your insurer, attend inspections, answer their requests and negotiate the settlement for you.
Settlement
When the claim is paid, our fee comes from the settlement. If there is no payment, you owe us nothing.
What to do first
These steps protect you and your claim, whether or not you hire us.
- Make sure everyone is safe and the property is secure
- Take photos and video of all damage before cleanup
- Make temporary repairs to prevent more damage and keep receipts
- Don’t throw away damaged items until they’re documented
- Report the loss to your insurer promptly
- Write down every call with the insurer: date, name and what was said
- Call a public adjuster before you accept a settlement
Frequently asked questions
What does a public adjuster cost?
Nothing upfront. Our fee is a percentage of the claim payment, agreed in writing before we start, and Florida law caps public adjuster fees. If the claim isn’t paid, you owe nothing.
Is it too late if I already filed a claim?
No. We can step in on an open claim, a claim that was underpaid, or one that was denied, as long as the deadlines in your policy and Florida law haven’t passed. Call and we’ll check.
How long do I have to file in Florida?
Florida law sets deadlines for reporting property claims, and they have been shortened in recent years. Your policy may also have its own deadlines. Contact us as soon as you can after damage happens.
Do you work with my insurance company or against it?
We work for you. We deal with the insurer professionally and directly, but our job is to make sure your claim is fully documented and fairly paid.
Do I still need a contractor?
Yes. We handle the claim, not the repairs. You choose your own contractor. We’ll make sure the claim reflects the true cost of the work.
Can you help with commercial or condo claims?
Yes. We handle commercial buildings, business property, condo unit owners and HOA association claims.
Talk to a licensed public adjuster
Tell us what happened. We’ll review your policy and your claim, explain your options and tell you honestly whether we can help.