Public Adjusters Serving St. George Island, Florida

Protecting Coastal Property Owners and Fighting for Fair Insurance Settlements

When the Insurance Company Falls Short, We Step In

St. George Island is a beautiful stretch of paradise on Florida’s Forgotten Coast—but with that beauty comes risk. Between hurricane season, tropical storms, and year-round exposure to salt air and coastal winds, property owners on the island are no strangers to damage.

Unfortunately, insurance companies often undervalue, delay, or deny legitimate claims, leaving homeowners and investors struggling to cover repairs on their own.

At Allegiant Public Adjusters, we specialize in standing up for people like you. We work only for policyholders—not the insurance company—to help you get the maximum payout your policy allows. Whether you’re filing a new claim, dealing with delays, or fighting a denial, we’re here to make sure you don’t go it alone.

What Does a Public Adjuster Do?

When you file a property insurance claim, your insurer assigns a company adjuster. Their job? To protect the company’s bottom line—not your interests.

A public adjuster, on the other hand, works for you. We’re licensed professionals who document your damage, interpret your policy, and negotiate directly with your insurance company to maximize your claim.

We help you:

• Document the full extent of your damage
• Avoid mistakes or delays that cost you money
• Understand what your policy really covers
• Reopen underpaid or denied claims
• Negotiate a better settlement without the stress

Why St. George Island Property Owners Trust Allegiant

✅ Local Coastal Expertise

We understand the unique risks and conditions on St. George Island, from saltwater corrosion to hurricane wind patterns to strict flood zone policies. We’ve helped countless island residents and vacation property owners recover from tropical damage and rebuild with confidence.

✅ Hurricane & Flood Claim Specialists

St. George Island frequently experiences storm surge, high winds, and flood-related damage. We know how to handle insurance company tactics and disputes over “flood vs. wind” coverage—one of the most common tricks insurers use to avoid paying.

✅ No Upfront Fees

You only pay us if we recover money for you. Our fee is a small percentage of the final settlement, meaning we’re motivated to get you the highest payout possible.

Common Claims We Handle on St. George Island

Wind and Hurricane Damage

Storms can rip off roofs, break windows, cause structural damage, and leave your home exposed to the elements. We make sure all storm-related damage is fully documented and accounted for.

Roof Damage

Insurers often try to pay for minor patch jobs when your roof really needs full replacement. We fight for the outcome your policy covers, using professional roof inspections and aerial imaging if needed.

Flood and Water Intrusion

Coastal homes often suffer from both storm surge and groundwater flooding—but policies may exclude or limit flood damage. We investigate thoroughly to help you qualify for wind-driven rain or other covered causes when possible.

Fire and Electrical Damage

Vacation homes can go unmonitored, leading to major fires from small sparks or faulty wiring. We help you claim damage from fire, smoke, soot, and water used to extinguish flames.

Mold and Delayed Damage

If mold shows up weeks or months after the storm, your insurer might say it’s your fault for not drying things out fast enough. We help prove it was a result of a covered loss, not neglect.

Vacation Home and Rental Property Claims

Second homes and vacation rentals on St. George Island often have higher-value furnishings, rental income loss, and strict expectations from renters. We help protect your income stream and your investment.

Serving the Entire Island

Whether you own a primary residence, second home, or short-term rental, Allegiant Public Adjusters is here to serve you across all parts of St. George Island:

• Gulf-front homes exposed to storm surge and wind
• Bayfront properties facing erosion and tidal flooding
• Interior and East End homes with roof or wind damage
• Vacation rentals with business interruption and contents loss
• Older homes and renovations with hidden damage from past storms

We understand the building codes, elevation certificates, and permitting process on the island—so we know how to support claims that require full rebuilds or code upgrades.

Who We Work With

Homeowners

We help permanent and part-time island residents recover quickly after damage—without being shortchanged by their insurance companies.

Vacation Rental Owners

If your Airbnb or VRBO rental is offline due to storm or water damage, we help claim repair costs, contents loss, and lost rental income.

Builders and Developers

Have a newly built or renovated home with a damage dispute? We work with contractors and engineers to support your claim documentation.

Realtors and Property Managers

We partner with local real estate professionals to help their clients get the coverage they need to repair and resell.

What to Do After Property Damage on St. George Island

1. Stay Safe
Avoid electrical hazards, standing water, and structural instability. Document visible damage only when it’s safe to do so.

2. Contact a Public Adjuster Immediately
Don’t wait for your insurance company to lowball you. We can help you from day one—or step in after a denial or delay.

3. Let Us Handle the Claim
From damage inspections to paperwork to policy negotiations, we take the stress off your plate. You’ll stay informed and in control without doing all the heavy lifting.

Reopening Denied or Underpaid Claims

If your insurer denied your claim or sent a payout that doesn’t even cover basic repairs, you’re not out of options.

We regularly help St. George Island property owners reopen claims and demand proper compensation. If your claim was mishandled, undervalued, or wrongfully denied, we’ll gather the evidence and fight for your rights.

Time Limits Matter

In Florida, many property owners only have one year to reopen a claim or file a supplemental claim. Waiting too long could forfeit your right to additional compensation.

Even if your damage occurred in a previous hurricane season, you may still be eligible to file—but you must act quickly.

Get the Help You Need from the Experts You Can Trust

At Allegiant Public Adjusters, we take pride in helping St. George Island property owners recover from damage and get the insurance payouts they deserve. We know what’s at stake: your home, your investment, your peace of mind.

Let us handle the paperwork, the inspections, and the negotiation—so you can focus on getting back to normal.

Call us today for a free damage inspection and policy review. There’s no obligation and no upfront fee.

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