INSURANCE CLAIM ASSISTANCE · FORT MYERS, FL

Insurance Claim Assistance in Fort Myers, FL

Your locally established design-build team for storm damage insurance claim assistance across Southwest Florida since 2006, all under Florida General Contractor license CGC1512714. Documentation, scope coordination, carrier advocacy. We are not a public adjuster. We are the licensed contractor making sure the scope your carrier approves matches what your home actually needs.

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Call us at 239-895-2058 or fill out the form. We respond within one business day.

LICENSED GC · CGC1512714

18+ YEARS IN SW FLORIDA

3-YEAR WORKMANSHIP WARRANTY

DESIGN-BUILD UNDER ONE ROOF

LOCALLY OWNED & OPERATED

BUILT FOR SOUTHWEST FLORIDA · FORT MYERS, FL

Why Insurance Claim Assistance in Fort Myers Matters

After Hurricane Ian in September 2022, insurance carriers in Florida tightened up. Documentation requirements got stricter. Estimating software became less forgiving. Scope disputes became more common. Homeowners who filed claims without proper damag e documentation often received settlements that covered a fraction of the actual restoration cost.

The single most important factor in a fair insurance settlement is what gets documented on day one. Photos, moisture readings, drone footage, line-item scope of work matched to estimating software, and code-upgrade justifications all factor into what your carrier approves. Verbal descriptions of damage do not count. What gets photographed and written down counts. The level of detail matters.

Tri-Town has held Florida General Contractor license CGC1512714 since 2006, running storm damage restoration projects across Lee County and Collier County. Every restoration project we take on includes insurance claim assistance as part of the same contract. We document, coordinate, and advocate alongside your existing claim process from day one.

To be clear about our role: we are not a public adjuster. Public adjusters are licensed claim professionals who represent you against the carrier and work for a percentage of the settlement. Our job is different. We are the licensed contractor making sure the scope of work the carrier approves matches what your home actually needs. We work alongside your public adjuster, or directly with your carrier when you choose not to hire one.

LICENSES & CREDENTIALS

Fully Licensed & Insured in Florida

CGC1512714

CCC1329614

MRSA729

MRSR829

HI3275

OPERATING SINCE

2006

Fort Myers, Southwest Florida

WHAT WE OFFER

Full-Scope Insurance Claim Assistance Across Fort Myers

From day-one documentation through final carrier closeout, every claim we support runs under license CGC1512714 alongside the actual restoration work. Single point of accountability. No vendor handoffs that create dispute risk.

Day-One Damage Documentation

Damage documentation begins the same day you call. Our 24/7 emergency services team brings cameras, moisture meters, and drones to every emergency assessment. Documentation captured before stabilization work begins establishes pre-restoration conditions for your carrier and prevents disputes about what was caused by the loss versus what was pre-existing.

Hurricane & Wind Damage Claims

Hurricane damage claims are the most common storm claims in Southwest Florida. Wind, wind-driven rain, and debris impact damage all need to be documented separately because coverage and depreciation rules differ. Hurricane damage repair claims also typically involve code-upgrade scope under law and ordinance coverage, which most homeowners do not realize they are owed unless their contractor documents it correctly.

Roof Storm Damage Claims

Roof claims are the most commonly disputed storm-related claims in Florida. Carriers often push back on roof scope, claiming damage is wear-and-tear rather than storm-related. Roof storm damage documentation includes drone photography, fastener pull-through analysis, granule loss measurements, and comparison to manufacturer wear standards. The level of detail determines whether your carrier approves full replacement or repair only.

Flood & Water Damage Claims

Flood claims are the most complex insurance claims a Florida homeowner can file because they often involve two separate policies. Flood damage restoration claims typically run through the National Flood Insurance Program or a private flood carrier for water damage, and through your homeowners carrier for wind-driven rain and resulting structural damage. Cause-of-loss attribution determines which policy covers which scope items.

Fire Damage Claims

Fire claims are the most carefully scrutinized claims insurance carriers handle. Cause-of-loss documentation, room-by-room damage inventory, content schedules, smoke and water damage scope, and structural engineering reports all factor into scope approval. Fire damage restoration also typically triggers additional living expense (ALE) coverage for temporary housing, which we help document as part of the claim.

Code-Upgrade & Law-and-Ordinance Coverage

Florida law requires rebuilding work to meet current Florida Building Code. That often means upgrades beyond pre-loss conditions for impact windows, roof tie-downs, electrical service, and base flood elevation. Most policies include law-and-ordinance coverage to pay for required code upgrades, but that coverage only pays out if it is properly documented and submitted. We call these items out separately in every scope of work.

Supplemental Claims & Appeals

If your carrier under-scopes the initial approval, supplemental claims and appeals are the formal path forward. We document additional damage discovered during demo or restoration, prepare supplemental scope submissions, and coordinate with your adjuster on re-inspections. Most supplemental claims succeed when the documentation is tight.

Why A Licensed Contractor Documenting Your Claim Beats A Vendor Who Promises To 'Handle Everything' Every Time

This is the section every Fort Myers homeowner needs to read before signing an insurance restoration contract.

After Hurricane Ian leveled neighborhoods across Southwest Florida in September 2022, hundreds of out-of-state contractors and storm-chaser crews offered to ‘handle the insurance’ for homeowners in exchange for assigning the claim benefits over to the contractor. The promise was simple: sign the assignment of benefits, and the contractor would deal with the carrier, do the work, and the homeowner would owe nothing out of pocket beyond their deductible.

In practice, many of those arrangements went wrong. Contractors over-scoped claims to maximize their take. Carriers disputed the scope. Litigation followed. Homeowners discovered that signing an assignment of benefits limited their own legal options. Florida lawmakers eventually tightened the rules around assignment of benefits because the abuse was so widespread.

Tri-Town does not take assignment of benefits, and we do not promise to ‘handle everything’ in a way that strips you of control over your own claim. You remain in charge of every decision. We document the damage. We provide the line-item scope of work. We coordinate with your adjuster, your public adjuster if you have one, or your carrier directly. The check still goes to you. The decision-making still belongs to you.

Tri-Town has held Florida General Contractor license CGC1512714 since 2006. We were here for Wilma, Irma, and Ian. We will be here for the next storm, because Fort Myers is our home, not a market we are passing through. That means when the carrier disputes scope, the contractor pushing back on your behalf is still in business five years from now.

Why Choose Tri-Town Construction?

Plenty of contractors will say they handle insurance. Fewer will document a claim to estimating-software standards. Fewer still will still be answering the phone when a supplemental claim comes up two years later. Since 2006, we have built our reputation on one thing: finishing what we start, and standing behind it.

Locally Established Since 2006

Eighteen-plus years of insurance documentation experience in Southwest Florida. Through Wilma, Irma, and Ian. We know the major carriers serving Lee and Collier County, their adjusters, their preferred vendors, and how their scope approval processes actually work.

No Assignment of Benefits

You stay in control of your own claim. We document, scope, and coordinate. You make the decisions. The settlement check goes to you, not us.

Estimating-Software-Grade Documentation

Every claim scope we prepare is matched to Xactimate or similar industry-standard estimating software that adjusters use to approve work. Line-item costs, regional pricing, and current FBC code-upgrade items all included. Documentation that adjusters can approve without back-and-forth.

Multi-License Coverage

General Contractor license CGC1512714. Roofing license CCC1329614. Mold Remediation license MRSA729. Home Inspector license HI3275. Every type of damage your carrier might need documented is documented by a license-holder, not a generalist.

Public Adjuster Coordination

If you have hired a public adjuster, we coordinate directly with them. If you have not, we work directly with your carrier. Either path works. The decision is yours, and we will tell you straight when a public adjuster is likely to add value and when they probably are not.

3-Year Workmanship Warranty

Every completed restoration in Southwest Florida is backed by our 3-year workmanship warranty. Manufacturer coverage on materials stays separate. If a supplemental claim comes up during the warranty period, we are still here to handle the additional scope.

PROCESS

How Our Insurance Claim Assistance Works

Five clear stages. No surprises. Every Southwest Florida homeowner deserves to know exactly how their insurance claim moves forward at each step.

Initial Damage Assessment

Our licensed Home Inspector (HI3275) walks the home with you. Every square inch of damage is documented with photos, drone footage where needed, moisture readings, and written notes. This documentation establishes the baseline your carrier works from. The level of detail matters.

Carrier Notification & First Adjuster Visit

You file the claim with your carrier. The carrier sends an adjuster, usually within 5 to 14 days. We attend the adjuster visit alongside you to make sure the damage is documented accurately. Adjusters approve scope based on what they see and what is documented. Having the contractor at the visit prevents items from being missed.

Scope Preparation & Submission

We prepare the formal line-item scope of work in estimating-software format that adjusters expect. Code-upgrade items called out separately for law-and-ordinance coverage. Photo documentation attached to every line item. Submitted to your carrier and your public adjuster if you have one.

Scope Negotiation & Approval

Most claims involve some scope negotiation between the contractor scope and the adjuster scope. We push back on under-scoped items with documentation. Your public adjuster, if you have one, pushes back on coverage and depreciation issues. The two roles complement each other. Most claims take 2 to 12 weeks for full scope approval depending on complexity.

Restoration & Supplemental Documentation

Restoration work begins under the approved scope. If a demo reveals damage not visible during initial assessment, we document immediately and file a supplemental claim. Supplemental claims are common. Most carriers expect them. Tight documentation makes them succeed.

Final Closeout & Settlement Reconciliation

Final invoices, photos of completed work, and closeout documentation submitted to your carrier. Final settlement reconciled against the approved scope. Any remaining depreciation holdback recovered. Your 3-year workmanship warranty activates at project completion.

Recent Insurance Claim Projects Across Southwest Florida

From hurricane claim restorations across Fort Myers Beach to flood and fire claims across Lee and Collier County, every claim is documented under license CGC1512714 and supported through final carrier closeout.

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What Fort Myers Homeowners Say About Tri-Town Construction

We let our clients speak for us. Here is what homeowners across Southwest Florida have said after their insurance claim restorations were complete.

“I highly recommend Tri-Town Construction! I am a local real estate professional, whenever one of my customers needs ANYTHING done to their home, Mike is my go-to guy! He always answers his phone and schedules a time to discuss the scope of the project — and his estimates are always very competitive. Tri-Town has completed several remodel projects for my customers and they all rave about his communication skills and quality of craftsmanship. If you have a home renovation project call Tri-Town Construction!”

Ronald A. | Real Estate Professional | Southwest Florida

“I completed a whole home remodel with an addition using Tri-Town. I could not be happier! The quality of workmanship, professionalism from each and every staff member and subcontractor, and turnkey beauty that was my end result is by far unsurpassed. It is breathtaking! We plan on using Tri-Town on our dream home build in the next couple of years — although now I hate to leave this gorgeous vacation home they gave us. Kudos to such an amazing company!”

Diane K. | Whole Home Remodel + Addition | Southwest Florida

“Highly recommend Tri-Town to complete your renovation project. They were professional, so reliable, patient with our many questions, and assured us that the project will be completed without any problems. Their pricing was so reasonable. They are a trustworthy company who puts customers first.”

Jennifer P. | Verified Client | Fort Myers, FL

Licensed, Insured & Industry-Recognized

Insurance Claim Assistance Across Fort Myers, Lee County & All of Southwest Florida

Tri-Town Construction has been locally owned and operated in Fort Myers since 2006. Our team knows the Lee County and Collier County inspectors, the major insurance carriers serving Southwest Florida, and the FEMA base flood elevation review process. Whether your home sits on the Gulf, on a canal, inside a gated community, or out on inland acreage, Tri-Town already knows the claim path your project will take.

Fort Myers
Fort Myers Beach
Estero Island
Sanibel
Bonita Springs
Estero
Cape Coral
Naples
Marco Island
Lee County
Collier County

Frequently Asked Questions

Are you a public adjuster?

No. We are a licensed General Contractor. A public adjuster is a separately licensed claim professional who represents you against the carrier and typically works for a percentage of the settlement. Our job is different. We are the contractor documenting damage and providing the scope of work the carrier approves. You can hire both roles if your claim is complex. You can also work with just us and your carrier directly. Either path works.

Should I hire a public adjuster?

Sometimes yes, sometimes no. Public adjusters add real value on large, complex, or disputed claims where coverage and depreciation are at issue. On straightforward claims with cooperative carriers, the public adjuster fee often exceeds the additional settlement they recover. We will tell you straight at our consultation whether your claim looks like one where a public adjuster is likely to help. The decision is yours.

Will you take the assignment of benefits?

No. Assignment of benefits arrangements were widely abused in Florida after Hurricane Irma, and the practice often leaves homeowners with less control over their own claim. You stay in control of your claim. We document and scope. You decide. The settlement check goes to you.

How long does an insurance claim take in Southwest Florida?

Timelines vary by carrier and complexity. Simple roof or single-room damage claims are often approved in 2 to 6 weeks. Hurricane gut-and-rebuild claims often run 8 to 16 weeks for full scope approval. Flood claims with two separate policies (homeowners plus NFIP) typically take longer because two carriers need to coordinate. Fire claims with content scheduling usually take the longest. We deliver a realistic timeline estimate after the initial assessment.

What if my carrier denies coverage or under-scopes my claim?

Appeals, supplemental claims, and re-inspections are the formal paths forward. We document additional damage with the same standards we use for initial documentation. Most under-scoped claims can be brought up to fair value through supplemental submission. If the dispute is about coverage rather than scope, that is where a public adjuster or coverage attorney may be the right next step. We will tell you straight what your options are.

What areas near Fort Myers do you handle insurance claims in?

We handle insurance claim work alongside restoration projects across Fort Myers, Cape Coral, Fort Myers Beach, Sanibel, Bonita Springs, Estero, Naples, Marco Island, and surrounding Lee County and Collier County communities. Our team works with the major insurance carriers and the National Flood Insurance Program.

INSURANCE CLAIM ASSISTANCE · FORT MYERS, FL

Need Insurance Documentation? Call 24/7

Around-the-clock emergency response and same-day damage documentation for homeowners across Fort Myers and Southwest Florida. The earlier we document, the stronger your claim position.