Insurance Restoration Process in West Palm Beach, FL
Filing a restoration claim in Florida shouldn't be harder than the damage itself. Palm Build navigates the entire insurance process — documentation, adjuster coordination, supplement negotiation, and scope approval — including Florida-specific deadlines under Fla. Stat. 627.70132, AOB reform compliance, hurricane deductible navigation, and FEMA flood map changes that moved 16,000+ West Palm Beach parcels to higher risk zones in December 2024 — so Palm Beach County homeowners get the coverage they've been paying for.
Deerfield Beach — 30-45 Minutes from West Palm Beach Same day Response IICRC Certified
Why West Palm Beach Insurance Claims Require Expert Navigation
West Palm Beach sits at the intersection of Florida's most challenging insurance
dynamics. Annual premiums range from $3,800 baseline to $4,800+ for coastal properties.
Citizens Property Insurance carries a growing share of Palm Beach County policies as
private carriers restrict coastal underwriting. The December 2024 FEMA flood map update
reclassified 16,000+ parcels to higher risk zones, triggering new mandatory flood
insurance requirements. Hurricane deductibles of 2-5% mean $8,000-$20,000 out of pocket
on a $400K home before wind coverage begins. Senate Bill 2A (January 2023) banned
Assignment of Benefits entirely, and Fla. Stat. 627.70132 enforces a strict 1-year
filing deadline. Flood damage from rising water remains excluded from standard HO-3
policies, and mold is typically sublimited at $10,000-$25,000. Palm Build navigates this
complexity so West Palm Beach homeowners get the coverage they've been paying for.
$3,800-$4,800
Annual premium range
West Palm Beach homeowners insurance costs vary from $3,800 baseline to $4,800+ for coastal properties — driven by hurricane exposure, carrier instability, and litigation costs across Palm Beach County
Growing
Citizens policy count in PBC
Citizens Property Insurance — Florida's state-backed insurer of last resort — continues expanding in Palm Beach County as private carriers restrict coastal underwriting or exit the market entirely
16,000+
Parcels reclassified
FEMA flood map update effective December 20, 2024 moved 16,000+ West Palm Beach area parcels to higher flood risk zones — triggering new mandatory flood insurance requirements
2-5%
Hurricane deductible
Percentage-based hurricane deductible on dwelling value — $8,000-$20,000 out of pocket on a $400K home before wind coverage kicks in
1 Year
Filing deadline
Fla. Stat. 627.70132 requires new claims within 12 months of the date of loss — supplementals within 18 months. Strictly enforced, no exceptions
AOB Banned
Post-Jan 2023
Assignment of Benefits completely prohibited for new policies — you remain the policyholder and direct the claim process. Never sign an AOB document
Don't Navigate This Market Alone
Call for a free insurance claim consultation. We know every carrier in Palm Beach
County.
Insurance Restoration Timeline for West Palm Beach Claims
From the moment you discover damage through final claim closure — here's exactly what
happens during a West Palm Beach insurance restoration claim, including Florida-specific
deadlines that are strictly enforced.
01
Damage Discovery & Emergency Call
Hour 0
You discover property damage — a burst polybutylene pipe in your Flamingo Park bungalow, hurricane wind tearing through your El Cid barrel tile roof, or HVAC condensate flooding a Century Village ceiling. Call Palm Build at (754) 600-3369 and your insurance carrier simultaneously. Under Florida Statute 627.70132, you must report property damage within 1 year of the date of loss. Your policy also requires immediate mitigation. In West Palm Beach's year-round 70-80% humidity, 24 hours of standing water creates mold conditions.
Policy requires immediate mitigation — late reporting can void claims
02
Pre-Mitigation Documentation
Hours 1-4
Before any cleanup begins, Palm Build's IICRC-certified technicians document every affected area with comprehensive photography, thermal imaging, and moisture mapping. We classify damage by cause — critical in West Palm Beach where wind damage (homeowners policy), Intracoastal/canal flooding (separate NFIP or private flood policy), HVAC condensate failure, and pipe burst must be documented separately for proper coverage determination.
03
Carrier Notification & Claim Filing
Within 24 Hours
Your insurance carrier is notified and a claim is opened. We provide initial damage documentation to establish the scope. Under Florida's post-AOB reform (SB 2A, January 2023), you remain the policyholder directing the claim — Palm Build works for you, not through an AOB assignment. For hurricane losses, the 'date of loss' is the NOAA verification date, not your personal discovery date.
FL Stat. 627.70132 — 1 year to file new claims
04
Emergency Mitigation Begins
Days 1-3
Emergency mitigation runs parallel to documentation: water extraction with truck-mounted equipment, structural drying with dehumidifiers calibrated for West Palm Beach's 70-80% ambient humidity, board-up and tarping for wind damage, or fire debris clearing. Daily drying logs begin immediately — these data-logged moisture readings justify equipment placement and timeline to adjusters.
05
Adjuster Inspection
Days 3-14
Your carrier assigns a field adjuster. Under Florida Statute 627.70131, the insurer must begin investigation within 14 days and provide a coverage determination within 60 days. We coordinate the inspection, walk the property with the adjuster, and provide our complete documentation package including thermal imaging, moisture maps, and our Xactimate estimate using localized West Palm Beach pricing.
14-day investigation start required by FL law
06
Scope Agreement & Authorization
Days 14-30
The adjuster reviews our documentation against their own inspection. Any discrepancies are addressed through direct adjuster communication — we present our Xactimate line items alongside theirs and resolve differences with photographic and scientific evidence. For West Palm Beach's CBS stucco homes, Mediterranean Revival properties in El Cid, and high-rise condominiums downtown, proper material pricing and code compliance are critical.
07
Restoration Work Begins
Weeks 2-12
Once the scope is approved, full restoration begins. Throughout reconstruction, we document progress at every milestone — demolition, rough-in, Palm Beach County inspections, and finish work. This ongoing documentation supports supplement requests for hidden damage discovered during demolition and provides your carrier evidence that the approved scope is being executed correctly.
08
Supplement Filing (If Needed)
As Discovered
The majority of West Palm Beach restoration projects require at least one supplement for hidden damage discovered during demolition — moisture behind CBS stucco walls, mold in concealed cavities, structural damage under finished surfaces. Palm Build documents supplemental damage within 48 hours of discovery and submits with photos, moisture data, and updated Xactimate line items. Florida's 18-month supplemental claim deadline applies.
Final walkthrough confirms every scope item has been completed. A completion certificate is provided to your carrier along with final photos, Palm Beach County inspection records, and a summary of all work performed. Your carrier releases final payment including recoverable depreciation holdback upon verified completion. NFIP flood claims require a separate 60-day proof of loss, which we prepare on your behalf.
60-day carrier coverage determination required
Florida Claims Deadline Calendar
Florida Insurance Deadlines Every West Palm Beach Homeowner Must Know
Florida Statute 627.70132, amended by Senate Bill 2A in 2023, governs every property
insurance claim filed in West Palm Beach. These deadlines and rules are strictly
enforced — understanding them in plain language is the difference between a paid claim
and a denied one.
Deadline Timeline at a Glance
0-12 mo: File Claim
12-18 mo: Supplements Only
18+ mo: All Deadlines Expired
All deadlines measured from original date of loss (or NOAA verification date for
hurricanes)
1-Year Filing Deadline
Fla. Stat. 627.70132
CRITICALMonth 0-12
You must report property damage to your insurer within 1 year of the date of loss. This deadline was reduced from 2 years by Senate Bill 2A in 2023. If you discover damage 13 months after a hurricane, your claim is barred — regardless of how legitimate the damage is. For West Palm Beach homes where moisture damage develops slowly behind CBS stucco walls and Mediterranean Revival plaster finishes, this shortened deadline makes immediate reporting essential.
12 months from date of loss
18-Month Supplemental Deadline
Fla. Stat. 627.70132
CRITICALMonth 0-18
When hidden damage is discovered during restoration — moisture behind CBS block walls, mold in concealed cavities, structural issues under finished surfaces — a supplemental claim must be filed within 18 months of the original date of loss. Not 18 months from discovery. This means if a hurricane hit 16 months ago and your contractor just found concealed damage, you have only 2 months to file the supplement.
18 months from original date of loss
AOB Prohibition (Complete Ban)
Senate Bill 2A (Jan 2023)
CRITICALAlways
Assignment of Benefits (AOB) is completely prohibited for all property insurance policies issued or renewed after January 1, 2023. This means no restoration company can take over your insurance benefits. You remain the policyholder, you authorize all work, and your carrier pays you directly. Any contractor asking you to sign an AOB is operating outside the law. Palm Build has never used AOB — we work for homeowners, not insurance assignments.
Effective for all policies issued/renewed after Jan 1, 2023
14-Day Investigation / 60-Day Determination
Fla. Stat. 627.70131
Day 1-60
Once you file a claim, your insurer must begin investigation within 14 days and provide a coverage determination (approve, deny, or partially approve) within 60 days. If your carrier misses these deadlines, they are in violation of Florida statute. Document every communication date with your carrier — this timeline protects you if the carrier delays unfairly. Citizens Property Insurance claims in Palm Beach County can be slower due to higher volume.
14 days to investigate, 60 days to determine
Hurricane Date of Loss Rule
NOAA Verification
Storm Date
For hurricane losses, the 'date of loss' is NOT when you personally discover the damage — it's the NOAA verification date for the hurricane event. This means your 1-year filing deadline starts from the date NOAA confirms the hurricane, which may be before you even return to your West Palm Beach home to assess damage. Check your policy and NOAA records to confirm your specific deadline.
NOAA verification date = start of deadline clock
Reopened Claim Deadline
Fla. Stat. 627.70132
Month 0-12
If a previously closed claim needs to be reopened due to new damage or additional issues related to the original loss, you must reopen it within 1 year. This applies when restoration reveals problems that were not apparent during the original claim — common in West Palm Beach CBS homes where water intrusion patterns evolve behind impermeable stucco walls long after the initial event.
1 year to reopen a closed claim
Palm Build tracks every deadline for you. From the moment we take your call, we calendar your 1-year filing deadline, 18-month supplemental
deadline, carrier investigation timelines, and any reopened claim windows. You'll never miss
a Florida deadline because we build compliance into our process from day one.
Coverage Gaps & Exclusions
What's NOT Covered in West Palm Beach: The Gaps That Cost Homeowners Thousands
West Palm Beach homeowners pay $3,800-$4,800+ annually in premiums but face critical
coverage gaps that can leave tens of thousands in damage uninsured. The December 2024
FEMA flood map update made flood exclusions even more consequential. Understanding what
your policy excludes — before you file a claim — is essential.
Flood Damage (Rising Water)
EXCLUDED
Standard HO-3 homeowners policies do NOT cover flood damage from rising water — period. The December 2024 FEMA flood map update reclassified 16,000+ West Palm Beach area parcels to higher flood risk zones, and many homeowners are only now discovering they need separate flood coverage. During hurricanes, storm surge (flood) and wind-driven rain through damaged roofing (homeowners) often coexist in the same home. Without cause-specific documentation, carriers attribute water intrusion to storm surge (excluded from HO-3) rather than wind entry (covered).
How Palm Build helps: Purchase NFIP or private flood insurance — especially if your parcel was reclassified in December 2024. Palm Build classifies every item of damage by cause and entry point — ensuring the right policy pays for the right damage.
Mold Damage ($10K-$25K Sublimit)
LIMITED
Most Florida homeowners policies cap mold remediation at $10,000-$25,000 — yet actual mold remediation in West Palm Beach's year-round 70-80% humidity can cost $20,000-$75,000+. The sublimit applies regardless of cause, though mold resulting from a covered sudden water event may bypass it with proper documentation. In the Historic Preservation Districts of El Cid and Old Northwood, mold behind original plaster walls is common after water events.
How Palm Build helps: Palm Build's rapid response minimizes mold colonization risk. When mold is present, we document its direct connection to the covered loss event with photographic and scientific evidence to support bypassing the sublimit.
Ordinance & Law (Code Upgrades)
LIMITED
When restoration triggers building code upgrades — required by Palm Beach County building codes — your standard policy often won't cover the increased cost unless you purchased an ordinance-and-law endorsement. For West Palm Beach's many 1950s-1980s CBS homes and historic structures, code-required upgrades during restoration (electrical panels, plumbing, wind mitigation, impact windows) can add $15,000-$50,000+ to the project that falls outside standard coverage.
How Palm Build helps: Palm Build identifies code-upgrade requirements early and documents which items are restoration vs. code-mandated. We help you understand your ordinance-and-law coverage limits before work begins so there are no surprises.
Gradual Damage & Maintenance
EXCLUDED
Insurance covers sudden, accidental damage — not gradual deterioration or maintenance failures. In West Palm Beach, carriers frequently deny claims for slow pipe leaks behind walls, long-term roof degradation, persistent HVAC condensate drips, and water intrusion through aging stucco. If the carrier determines damage developed over weeks or months rather than occurring suddenly, the claim may be denied entirely.
How Palm Build helps: Palm Build documents the specific failure point and timeline — distinguishing between a sudden pipe burst or component failure (potentially covered) and gradual wear (excluded). Our forensic documentation establishes the acute event that triggered the loss.
HVAC Condensation (Maintenance Denial)
LIMITED
HVAC condensate line clogs and overflows are the #1 source of water damage calls in West Palm Beach — running systems 10+ months per year strains drain lines and pans. Carriers frequently classify these as 'maintenance issues' rather than covered sudden events. If the carrier determines you failed to maintain your HVAC system, the resulting water damage may be denied.
How Palm Build helps: Palm Build documents the specific mechanical failure that caused the discharge — distinguishing between a sudden clog or component failure (potentially covered) and gradual neglect (excluded). Keep your HVAC maintenance records accessible.
Citizens Depopulation Transfers
LIMITED
Citizens Property Insurance depopulation programs actively move policyholders to private carriers — sometimes without the homeowner fully understanding the transfer occurred. Your coverage terms, deductibles, exclusions, and claim processes may change during this transition. If you have an active claim when your policy transfers, the claim can stall between carriers. This is increasingly common in Palm Beach County.
How Palm Build helps: Palm Build coordinates with both outgoing and incoming carriers during depopulation events. Our documentation is formatted to work with any carrier, ensuring claim continuity regardless of which company handles your policy.
Hurricane Deductible Guide
What Your Hurricane Deductible Costs in West Palm Beach
Unlike your standard $1,000 or $2,500 flat deductible, hurricane deductibles are
calculated as a percentage of your dwelling coverage — typically 2% to 5%. This means
your out-of-pocket cost before wind coverage begins depends entirely on your home's
insured value. Here's what that looks like across West Palm Beach neighborhoods.
Neighborhood
Median Value
2% Deductible
5% Deductible
Note
Century Village
$175,000
$3,500
$8,750
7,800-unit 55+ condo community — HOA master wind policy may carry separate deductible
Flamingo Park
$425,000
$8,500
$21,250
1920s-40s historic bungalows — older construction increases wind vulnerability
El Cid Historic District
$600,000
$12,000
$30,000
Mediterranean Revival CBS homes — historic designation adds restoration complexity
Old Northwood / SoSo
$500,000
$10,000
$25,000
Historic districts near Intracoastal — dual wind and flood exposure
Bear Lakes Estates
$400,000
$8,000
$20,000
Inland gated community — lower wind risk but still subject to percentage deductible
Flagler Drive Waterfront
$1,200,000
$24,000
$60,000
Premium Intracoastal properties — hurricane deductible can exceed $50K
What Every West Palm Beach Homeowner Should Know About Hurricane Deductibles
Hurricane deductibles are percentage-based (2-5% of dwelling coverage), NOT flat dollar amounts
The deductible applies only to wind and hurricane claims — other perils use your standard flat deductible ($1,000-$2,500)
For a $400,000 West Palm Beach home, a 2% deductible = $8,000 and a 5% deductible = $20,000 out of pocket
Your hurricane deductible resets each calendar year — one deductible per hurricane season, not per storm
Some carriers offer deductible buydown endorsements that reduce the percentage to 1% for additional premium
Palm Build helps you understand your total exposure before work begins.
We review your policy's hurricane deductible, standard deductible, flood coverage
status, and mold sublimits during our initial consultation — so you know your total
out-of-pocket exposure before a single board is removed. No surprises, no hidden
costs.
Know Your Carrier
Citizens vs. Private Carriers in West Palm Beach
Your claims experience depends heavily on whether you're insured through Citizens (the
state-backed insurer of last resort) or a private carrier. The post-2023 reform
landscape has reshaped both options — here's what West Palm Beach and Palm Beach County
homeowners need to know.
Citizens Property Insurance
State-backed insurer of last resort
State-backed, not-for-profit — insurer of last resort when private carriers decline coverage
Growing policy count in Palm Beach County as private carriers restrict coastal underwriting
Limited coverage options — no luxury endorsements, basic dwelling form only
Multi-year rate increases mandated by legislature (up to 14% annually)
Depopulation programs actively moving policyholders to private carriers — often mid-term
Slower claims processing — fewer adjusters per claim volume, especially post-hurricane
Private Carriers
State Farm, Universal, Slide, Tower Hill, others
10+ new carriers entered Florida since 2023 tort reform (SB 2A)
More coverage options — including hurricane deductible buydowns and enhanced mold endorsements
Competitive pricing post-reform: many undercutting Citizens by 10-20%
State Farm, Universal, Slide, Tower Hill, Heritage among largest in Palm Beach County
Faster claims processing — smaller portfolios, dedicated South Florida adjusters
Risk-based pricing — well-maintained homes with wind mitigation features get lower rates
Citizens-Specific Challenges in Palm Beach County
Depopulation Transfers
Citizens actively moves policyholders to private carriers through depopulation programs. In West Palm Beach, these transfers can happen mid-policy term — and if you have an active claim, it can stall between carriers. Your deductibles, exclusions, and coverage terms may change. Palm Build coordinates with both outgoing and incoming carriers to maintain claim continuity.
Rate Increases (Up to 14%/Year)
Citizens is mandated to raise rates toward actuarial soundness — up to 14% annually. Despite these increases, Citizens premiums in West Palm Beach remain below what private carriers would charge for equivalent coastal exposure. However, rising premiums don't mean expanded coverage — gaps in flood, mold, and ordinance-and-law remain.
Claims Processing Volume
Citizens' adjuster-to-claim ratio is higher than most private carriers — meaning longer waits for inspections and determinations, especially after hurricanes when claim volume spikes across all of South Florida. Florida's statutory 14-day investigation and 60-day determination deadlines still apply, but post-catastrophe extensions can delay the process further.
Palm Build works with every carrier in Palm Beach County — Citizens, State Farm, Universal, Slide, Tower Hill, Heritage, American Integrity, Frontline,
Progressive/ASI, USAA, and every NFIP/private flood carrier. Our Xactimate-based documentation
works with any carrier's claims workflow, and we coordinate seamlessly during depopulation transitions.
The Palm Build Advantage
Why West Palm Beach Homeowners Choose Palm Build for Insurance Claims
Seven advantages that ensure West Palm Beach homeowners get the full coverage they've
been paying $3,800-$4,800+ annually for — in a market where documentation quality
determines whether your claim is paid or denied.
Xactimate-Native Estimating
Every estimate, supplement, and change order is written in the same software and pricing database your carrier uses. No format translation, no re-entry errors, no weeks of back-and-forth. Using Xactimate's localized West Palm Beach pricing database ensures accurate costs for CBS block repairs, barrel tile replacement, historic plaster restoration, and humidity-rated materials.
Cause-of-Loss Classification Expertise
West Palm Beach's Intracoastal exposure, canal systems, and year-round humidity create claims where wind, flood, pipe burst, and HVAC failure coexist. We classify every item of damage by its specific cause and entry point — the single most consequential classification decision in a multi-peril claim. This protects you from incorrect coverage determinations.
No Out-of-Pocket Insurance Coordination
Our insurance coordination, documentation, adjuster meetings, and supplement negotiation are included in the restoration scope and paid by your carrier — not out of your pocket. Under Florida's post-AOB framework, we work directly for you as the policyholder. Your only direct cost is your policy deductible.
Direct Adjuster Communication
We meet with your adjuster on-site, walk the property together, and provide our complete documentation package directly. In Palm Beach County's busy insurance market where adjusters manage heavy claim loads — especially post-hurricane — a well-organized contractor who speaks their language gets priority attention and faster approvals.
Supplement Resolution in One Cycle
The majority of West Palm Beach restoration projects require at least one supplement for hidden damage discovered during demolition. Our supplemental documentation includes photos, moisture data, and updated Xactimate line items submitted within 48 hours of discovery. Most Palm Build supplements resolve in one revision cycle — saving weeks.
30-45 Minutes From Every WPB Neighborhood
Our Deerfield Beach hub at 5051 NW 13th Ave Suite H is 30-45 minutes from every West Palm Beach neighborhood — El Cid, Flamingo Park, Old Northwood, SoSo, Century Village, and the Downtown corridor. When your claim requires same-day documentation for an adjuster meeting, we're there.
Every Carrier in Palm Beach County
From Citizens Property Insurance to State Farm, Universal, Slide, Tower Hill, Heritage, American Integrity, Frontline, Progressive/ASI, USAA, and Florida Peninsula — we know each carrier's claims process, documentation preferences, supplement requirements, and typical response timelines. Our documentation works with any carrier's workflow.
Common Questions
West Palm Beach Insurance Claims FAQ
Answers to the most common insurance restoration questions from West Palm Beach and Palm
Beach County homeowners — including Florida-specific deadlines, AOB reform, hurricane
deductibles, Citizens Property Insurance, FEMA flood maps, and coverage gaps.
Does Palm Build work with my insurance company in West Palm Beach?
Yes — we work with every carrier writing policies in the West Palm Beach market including Citizens Property Insurance, State Farm, Universal Property, Slide, Heritage, American Integrity, Tower Hill, Allstate, Nationwide, Progressive, and USAA. We also coordinate with NFIP and private flood carriers for flood-related damage. Citizens carries a massive and growing share of Palm Beach County policies as private carriers cycle through the market. Our Xactimate-based documentation works with any carrier's claims workflow.
How does Florida's AOB reform affect my restoration claim in West Palm Beach?
Senate Bill 2A (January 2023) eliminated Assignment of Benefits (AOB) for new property insurance claims in Florida. This means you no longer assign your insurance benefits to a restoration company — you remain the policyholder and direct the claim. Palm Build operates under this post-reform framework: we work for you, you authorize the work, and your carrier pays you. Never sign documents that attempt to assign your insurance benefits to any contractor.
What are the Florida-specific deadlines for filing a claim?
Under Florida Statute 627.70132 (as amended by SB 2A), you must report property damage to your insurer within 1 year of the date of loss. Supplemental claims must be filed within 18 months. Your insurer must begin investigation within 14 days of receiving your claim and provide a coverage determination within 60 days. For NFIP flood claims, a sworn proof of loss must be submitted within 60 days. These deadlines are strictly enforced — missing them can result in claim denial regardless of the damage's legitimacy.
What is my hurricane deductible and how does it affect my West Palm Beach claim?
Florida homeowners policies typically have a separate wind/hurricane deductible calculated as a percentage of your dwelling coverage — usually 2% to 5%. For a West Palm Beach home insured at $400,000 dwelling coverage, a 2% wind deductible is $8,000 and a 5% deductible is $20,000 — significantly higher than a standard $1,000 or $2,500 flat deductible. This percentage-based deductible applies to wind and hurricane claims only. Other perils (fire, water damage from pipes) use your standard flat deductible. Know your wind deductible before hurricane season.
How did the December 2024 FEMA flood map update affect West Palm Beach?
The FEMA flood map update effective December 20, 2024, moved 16,000+ parcels in the West Palm Beach area to higher flood risk zones. This means many homeowners who previously weren't required to carry flood insurance now face mandatory flood coverage requirements from their mortgage lender, and premiums for existing flood policies may increase significantly under Risk Rating 2.0. If your property was reclassified, your standard homeowners policy still does NOT cover flood damage from rising water — a separate NFIP or private flood policy is required.
Should I call my insurance company or Palm Build first?
Call Palm Build first — or simultaneously. Your policy requires immediate mitigation to prevent further damage, and documenting initial damage before cleanup is critical for your claim. In West Palm Beach's year-round 70-80% humidity environment, delaying mitigation by even 24 hours can result in mold colonization that complicates your claim and potentially triggers mold sublimit issues. We begin emergency response and documentation while you open your claim with your carrier.
What if my insurance company denies part of my West Palm Beach claim?
Partial denials are common in Florida — especially for mold remediation (sublimited at $10,000-$25,000), code upgrades (requires ordinance-and-law endorsement), gradual damage (excluded), and disputed wind vs. flood classification during storms. Palm Build documents covered items thoroughly to prevent incorrect denials, connects mold to covered water events when applicable to bypass sublimits, and files supplements with cause-specific evidence when legitimate claim items are denied.
What about Citizens Property Insurance claims in Palm Beach County?
Citizens Property Insurance is Florida's state-backed insurer of last resort, and its policy count continues to grow in Palm Beach County as private carriers exit or restrict coastal coverage. Citizens claims follow the same Florida statutory deadlines but can process slower due to higher claim volumes per adjuster. Citizens also runs depopulation programs that transfer policyholders to private carriers — sometimes mid-claim. Palm Build coordinates with both carriers during these transitions, and our documentation is formatted to work with any carrier's claims workflow.
Need Help With a Restoration Insurance Claim in West Palm Beach?
Palm Build handles the entire insurance process — documentation, adjuster coordination, supplement negotiation, Florida-specific deadline compliance — so you can focus on getting your home back. We work with every carrier in the West Palm Beach and Palm Beach County market.
