Your Trusted Collier County Public Adjuster

Collier County’s #1 Public Adjuster for HOA Insurance Claims & Community Property Losses

When disaster strikes a residential community, it’s not just a building that’s affected—it’s the lives of every resident who calls it home. If you're an HOA board member or property manager in Collier County, dealing with a large-scale insurance claim can be overwhelming. Shoreline Public Adjusters is here to help. We work exclusively with Homeowners Associations (HOAs), condo associations, and property management companies, providing expert support for complex property damage insurance claims across Naples and surrounding areas.

As your licensed public adjuster, our job is simple: we represent your community’s best interest and fight to recover every dollar your association is entitled to.

Why HOA Boards and Property Managers Need a Public Adjuster

Insurance companies don’t make it easy—especially when the loss involves multiple buildings, common areas, and dozens or even hundreds of unit owners. HOA claims are complex and time-consuming. From coordinating access to units to managing communications between residents, contractors, and insurance representatives, there’s a lot to handle.

Here’s how Shoreline Public Adjusters helps your HOA navigate these challenges:

• We interpret and explain your policy coverage

• We handle inspections, photos, estimates, and documentation

• We deal directly with the insurance company on your behalf

• We streamline communication with your board and property manager

• We help speed up the recovery process so repairs can begin quickly

Hiring a licensed public adjuster gives your association a major advantage. Instead of relying on the insurance carrier’s adjuster—who works for them—you’ll have an expert on your side who works for you.

Types of HOA Insurance Claims We Handle

Community associations face a unique range of risks, and our team is equipped to handle them all. Whether your property has suffered damage from a major storm or a hidden issue like a slow leak or mold, we’ve got you covered.

We specialize in:

• Hurricane and Wind Damage

• Roof Leaks and Structural Failures

• Flooding and Storm Surge

• Water Damage and Pipe Bursts

• Mold and Moisture-Related Losses

• Fire, Smoke, and Electrical Damage

• Lightning and Power Surges

• Sinkholes and Ground Shifts

• Vandalism and Theft

If your HOA is facing an underpaid, delayed, or denied claim, don’t wait—the sooner we get involved, the better we can protect your rights and preserve your claim value.

Common Problems HOA Boards Face During Insurance Claims

Many HOA boards and community managers don’t realize how vulnerable they are until it’s too late. Insurance carriers often exploit the complexity of HOA claims to delay payments, dispute the scope of damage, or offer lowball settlements. Some of the most common issues we help solve include:

• Low settlement offers that don’t reflect real repair costs

• Disagreements over whether damage is covered under the master policy

• Confusion over the division of responsibility between unit owners and the HOA

• Delays in payment that prevent timely repairs

• Incomplete inspections that overlook hidden damage

Our team ensures your damages are thoroughly inspected, accurately valued, and properly documented. That way, the insurance company has no room to cut corners—and your board has peace of mind knowing everything is covered.

What Makes Shoreline Different?

We know how much is on the line for HOAs and condo associations. You’re not just managing a building—you’re responsible for an entire community. That’s why we offer white-glove service tailored to the unique needs of boards and property managers. Here’s what sets us apart:

HOA-Focused Expertise
We work exclusively with associations and multi-unit properties. That means we understand your challenges—and how to resolve them quickly.

Clear Communication
We keep your board and property manager in the loop with regular updates and easy-to-understand summaries.

Hands-Off for You, Full-Service from Us
From paperwork and inspections to negotiations and final payout—we handle every step of the process so your board doesn’t have to.

Compliance and Policy Knowledge
We understand Florida law, HOA policies, and governing documents that can affect coverage and claims.

No Upfront Fees
We work on contingency—if you don’t get paid, we don’t get paid.

We Partner with HOA Boards, Not Work Around Them

At Shoreline, transparency and trust are everything. We understand the importance of keeping your board informed, your residents calm, and your repairs moving forward. We’re happy to:

• Attend board meetings (in person or virtually)

• Provide detailed reports and claim documentation

• Coordinate with your contractors, attorneys, or property managers

• Serve as a communication bridge between residents and the board

We believe in building long-term relationships with the communities we serve. Whether you manage a gated community in Naples or a mid-rise condo in Marco Island, we treat your claim with the same care and urgency as if we lived there ourselves.

The Best Time to Call a Public Adjuster? Before You File.

Most boards reach out to a public adjuster only after a claim is denied or underpaid—but by then, valuable time and evidence may already be lost.

We recommend calling us as soon as your community suffers damage. Even if you haven’t filed a claim yet, we’ll review your policy, inspect the damage, and help you decide whether to move forward. Early involvement leads to better results, less confusion, and fewer disputes.

Let’s Take the Burden Off Your Board

Managing an insurance claim doesn’t have to become a second full-time job for your board or property manager. With Shoreline Public Adjusters on your side, you get:

• Expert support for every step of the claim

• Faster resolutions and higher settlements

• A partner who’s on your side—not the insurer’s

We’re ready to help your HOA or condo association recover, rebuild, and move forward—stronger than before.