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CCG
Florida Public Adjusters · Commercial & Residential

Protecting Your Property.
Maximizing Your Claim.

Coyne Commercial Group is a licensed Florida public adjusting firm. We work for you – NOT the insurance company – from the first inspection to final settlement.

Your insurance carrier deploys their most experienced adjusters the moment a loss is reported. We make sure your documentation, your position, and your representation are built first.

(321) 501-6718

No recovery, no fee. Response within 1 business day.

Who We Serve

Every audience. One Gold Standard.

Property Managers

You manage the property. We protect what it's worth.

  • Pre-loss documentation before a storm ever hits
  • Insurance policy review and coverage gap analysis
  • Dedicated representation, not a call center
For Property Managers
Board Members

Your association has one chance to position a claim correctly.

  • We manage the entire claims process for your board
  • Drone documentation and professional findings reports
  • We pursue the full documented value of your loss
For HOA & Condo Boards
Referral Partners

When your client has a loss, you deserve a partner who delivers.

  • Roofing, restoration, and legal partner network
  • Mutual referral relationships, your clients protected
  • Real-time updates and professional communication
Become a Partner
The Difference Representation Makes

What a settlement looks like, with and without a public adjuster.

Residential

Carrier’s first offerBaseline
With CCG representationUp to +747%

Full scope, matching, code upgrades, and the deductible math carriers get wrong.

Commercial

Carrier’s first offerBaseline
With CCG representationUp to +747%

Business interruption, loss of rents, ordinance-or-law, and master-policy scope.

Based on OPPAGA (Florida Legislature) findings that policyholders who hire a public adjuster recover up to 747% more than those who do not. Illustrative of that finding; individual results vary by policy, loss, and documentation.

The CCG Method

How we protect you, before and after a loss.

01
Step 01

We Document First

Before any storm makes landfall, we conduct drone inspections, build your property file, and establish a pre-loss baseline. Your documentation is your position.

02
Step 02

We Build Your Position

We analyze your policy for coverage gaps, classify your risk, and prepare the narrative before the carrier's adjuster ever walks your property.

03
Step 03

We Represent You

We sign your Letter of Representation, document your loss, interpret your policy, and negotiate hard with the carrier on your behalf to pursue the full documented value of your loss.

8+yrs

Adjusting Florida property claims

$0

Upfront cost. Contingency fee: no recovery, no charge.

24hr

Claim review and response turnaround

Results vary by claim. Past experience does not guarantee future outcomes. Experience and reviews shown here reflect James Coyne’s individual work as a Licensed Florida Public Adjuster, not Coyne Commercial Group’s client base.

“The only reason he doesn’t have 100 stars is because there are only 5 up there. James is the reason my home got repaired. There’s no doubt he was the absolute best.”

Gina · Verified Client Review

In Their Words

Policyholders On Working With James.

We recently had the pleasure of working with James Coyne for an insurance claim after our home was hit by Category 5 Hurricane Ian. From start to finish, James demonstrated exceptional responsiveness and extensive knowledge of the claims process, ensuring we understood each step along the way. James's professionalism shone through as he relentlessly pursued the best possible outcome for us. He expertly coordinated with all parties involved, setting us up with engineers, roofers, and other professionals to address the damage while the claims process was ongoing. He connected us with contractors for repair quotes and provided invaluable assistance in organizing inspections. Despite several unforeseen challenges beyond his control, James persevered with us and ultimately helped us secure a better result than we had anticipated. His dedication and commitment were evident as he navigated each hurdle with us, ensuring we received the support we needed. With hurricane season approaching, I highly recommend James Coyne. His expertise, professionalism, and unwavering dedication make him an invaluable ally in navigating insurance claims and property repairs. Thank you, James, for all your hard work and support.
CindyHurricane Ian
James did an outstanding job in preparing all the documentation for my hurricane claim. Because of his expertise, having the correct experts review the damage, and his overall documentation, it made dealing with the insurance company much easier on me. Without a doubt, his work pushed the insurance company to pay my claim. Thank you, James!
AnthonyHurricane claim
Hi James, we are incredibly grateful to have you as our advocate and friend in need. I would recommend you, without qualification, to the most discerning estate owner. Mr. Coyne, your experience and insurance industry knowledge surpassed my expectations, and my claim was handled beyond my satisfaction. Your expertise in settling our claim with the insurance company resulted in a very positive manner. I was so happy. Again James, thank you for the outstanding results. I will happily recommend you to anyone who has to go through the torture of dealing with an insurance company. Please feel free to utilize me as a personal, positive reference for your future clients.
Emmanuella
James stands out as a trusted, professional resource for anyone seeking expert guidance with insurance claims. His reputation for thorough knowledge, clear communication, and a strong commitment to client satisfaction makes him an excellent choice for anyone navigating the complexities of insurance. Whether you're dealing with a challenging claim or simply need advice, James's expertise ensures that you're in capable hands. His dedication to helping clients understand their options and maximize their claims is highly commendable, and it's easy to see why so many trust him.
Daniel
We had a great experience working with James throughout our claims process. He was responsive, knowledgeable, and gave great advice for moving the claim along. We would definitely use him again should the need arise.
Allison
Hurricane Ian devastated my house. Anything existing outside the house suffered severe damage, ranging from a totaled roof to a missing fence, and more. The experience was very troubling and paralyzing. However, James Coyne stepped into my problem and helped ensure my house was able to be rebuilt to standard. James Coyne is a great communicator, gets the job done, and I would highly recommend him to anyone in a crisis. I give him beyond 5 stars for what he did for my situation.
ScottHurricane Ian
We experienced a water leak in our kitchen from a refrigerator line. Our insurance company had their “preferred” vendor come out to do the water extraction and mold mitigation. They did a 3-week dry out only to demo and tear out our cabinets, countertops, and walls. I asked when an inspector would be coming out to assess the damages and was told it wasn't needed. I tried contacting our desk adjuster multiple times with no response. Something felt off. We had James Coyne come out to meet us initially just to discuss our situation, as we had never made a homeowners claim before. In hindsight, I'm so glad and thankful we did. He was there when the remediation company happened to be there and saw the poor quality of work. After speaking with him at length, we hired him on the spot. James is very knowledgeable; he looked over our policy and advocated on our behalf. He helped us throughout the entire claim process, through every struggle with our insurance company. He helped go to mediation and then litigation when our insurance company refused to cover the repair costs for our kitchen that are clearly covered in our policy. I highly recommend James Coyne. We will never make a homeowners claim without contacting him first.
LaceyWater damage claim
The only reason he doesn't have 100 stars is because there are only 5 up there. After Ian I was totally distraught by the way my insurance company tried to handle me, and James brought me back to peace and reassurance. He explained everything to me. This process was doable because he guided me along the way. James is the reason my home got repaired. God bless him. There's no doubt he was the absolute best. I'm truly grateful 🙏🏽
GinaHurricane Ian
James Coyne has been a wealth of knowledge on when and how to make the right claims with my home insurance.
Alex
I would highly recommend James Coyne to represent anyone that wants to receive a fair settlement when dealing with insurance companies. Mr. Coyne was very professional, thorough, and identified all damage that should be covered by our insurance policy. Best of all — he never wasted a minute of my time, followed up on a regular basis, and fought for every dollar that we were entitled to. He handled our homeowners claim from A to Z and helped us receive a FAR better settlement than we expected.
BillHomeowners claim
Highly recommend. James Coyne was very professional and responsive during a very stressful time. He helped us navigate our claim process and, most importantly, facilitated prompt and effective remediation.
Trisha
James Coyne helped me with an insurance claim. I was getting nowhere on my own. He did a great job.
D. Gib
Working with James Coyne is the absolute best. He went above and beyond for us — we couldn't be any happier.
Ruthann
Great service. Highly recommend James Coyne.
Adilia
Very professional operation. Saved me after a hurricane. Thanks, James Coyne.
JimHurricane claim

Use the arrows or swipe to read more. Verified reviews reflecting James Coyne’s individual track record as a Licensed Florida Public Adjuster, not Coyne Commercial Group’s client base.

Where We Serve

Serving all 67 Florida counties.

Statewide representation, headquartered in Sanford, Florida. Hover any county.

SANFORD HQ /
Counties served Statewide coverage

Statewide / 67 Counties / One Standard

James Coyne, Founder and Licensed Florida Public Adjuster at Coyne Commercial Group
Meet Your Adjuster

James Coyne

Founder & Licensed Public Adjuster / W482618

James built Coyne Commercial Group after years on the carrier side, where he saw exactly how insurance companies evaluate, delay, and minimize claims. He knows their playbook because he ran it.

Now that experience works for you. Every claim CCG takes on is documented and negotiated by someone who understands the other side of the table, and answers to the policyholder, never the insurer.

Contact James
Watch: A Florida Claim, Start to Finish

See exactly what we do, in one scroll.

Fly through the whole story of a Florida commercial claim: the storm hits, the damage adds up, we pursue every dollar the policy owes, and trusted partners rebuild. No cuts, no jargon, just the way it actually happens.

Watch the story
FAQ

Common Questions About Commercial Public Adjusting

Take Action Now

Your carrier is preparing their position.
CCG makes sure yours is built first.

Schedule a no-obligation property assessment. We'll review your documentation, identify your exposure, and tell you exactly where you stand.

No obligation. Response within 1 business day.

FL Public Adjuster W482618 / Firm G350978 / Chapter 626