Martin County Public Adjuster
Licensed, local, and relentlessly on your side, proving the full value of insurance claims across Martin County, Florida.
Martin County sits at the southern end of the Treasure Coast, where the St. Lucie River meets the Indian River Lagoon and the Atlantic. It is a county of waterfront property: Sewall’s Point, Jupiter Island, Hutchinson Island and the river and canal frontage of Palm City and Rio, with the agricultural community of Indiantown inland to the west.
When disaster strikes in Martin County, the insurance company’s adjuster works for the insurance company. Adjusterman works only for you: a Florida-licensed public adjusting firm (FL DFS License #P151443) representing property owners throughout Martin County and the wider Treasure Coast.
Stuart and the Martin County waterfront combine Treasure Coast storm exposure with high-value homes and marine property, a specialized claim profile.
Hurricane and storm history in Martin County
Martin County took two hurricane landfalls three weeks apart in 2004, Hurricane Frances at Sewall’s Point on September 5 and Hurricane Jeanne at nearly the identical location on September 26, an almost unheard-of repetition that damaged much of the county’s housing twice in a single month. Hurricane Matthew ran the coast in October 2016, and Hurricane Nicole made landfall just north on November 10, 2022, driving erosion along Hutchinson Island.
Storms and losses we handle in Martin County
Martin County property owners most commonly face Atlantic hurricane wind and surge, coastal and river flooding, high-value waterfront property losses. Whatever your loss, we document it in full with FAA-licensed drones, thermal imaging, and 3D capture, and negotiate the settlement you’re owed.
- Hurricane Claims in Martin County
- Fire Claims in Martin County
- Water Damage Claims in Martin County
- Mold Claims in Martin County
- Business Interruption in Martin County
- Commercial Claims in Martin County
- Large Loss Claims ($1M+) in Martin County
- Condo & Association Claims in Martin County
How Martin County is built, and why it changes your claim
Waterfront construction defines the county’s claims. Docks, boat lifts, seawalls, davits and pool cages are as commonly damaged as the houses themselves, and they are the items most frequently sublimited, excluded outright, or simply left off a carrier’s estimate. Martin also carries a substantial inventory of high-value older waterfront homes with tile roofs and custom finishes.
What carriers argue in Martin County
The recurring Martin County underpayment is everything outside the four walls. Owners report the house, the adjuster scopes the house, and the dock, lift, seawall and enclosure that were destroyed in the same storm never enter the estimate. Those items frequently carry their own limits, and they have to be claimed specifically.
Why Martin County property owners choose Adjusterman
A lowball offer or a wrongful denial costs Martin County owners real money. We level the field: an independent, professional scope of your loss, aggressive negotiation with the carrier, and no fee unless we recover for you. New claim, underpaid claim, or denial: it’s rarely too late for a second, independent look.
Cities we serve in Martin County
Other Martin County communities we cover
Our Martin County coverage is not limited to the cities above. We inspect and document losses in Jensen Beach, Hobe Sound, Sewall’s Point, Indiantown, Rio, Port Salerno, Ocean Breeze, Jupiter Island, Hutchinson Island, and Palm City Farms as well, and anywhere else in the county. Wherever your property is, we come to you.
Martin County claim questions
My dock and boat lift were destroyed in the storm. Are those covered by my homeowners policy?
Sometimes, and usually under a separate and much smaller limit than the house. Docks, boat lifts and seawalls are commonly written as other structures with a sublimit, and some Florida forms exclude them from windstorm entirely. The first step is reading your declarations page to find the actual limit, because that number determines whether it is worth pursuing and for how much.
Do you serve Martin County?
Yes. Adjusterman represents property owners throughout Martin County and all of Treasure Coast. We provide free, on-site inspections and work on a no-recovery, no-fee basis.
What kinds of damage are most common in Martin County?
Martin County property owners most often deal with Atlantic hurricane wind and surge, coastal and river flooding, high-value waterfront property losses. We document and pursue all of these as covered losses under your policy.
How much does a public adjuster cost in Martin County?
We work on contingency (a percentage of what we recover for you), so there is no upfront cost, and no fee unless we recover on your claim. Your free Martin County inspection carries no obligation.
Have a claim in Martin County?
Get a free, no-obligation inspection from a public adjuster who knows Martin County. No recovery, no fee.