St. Lucie County Public Adjuster | Florida

1. 01

   Report to local government

   In unincorporated St. Lucie County, the county government; inside a city or town, that municipality handles things like repair permits, code questions, road and drainage problems, and any damage surveys it runs after a storm. A report to a local government is not an insurance claim.

2. 02

   Report to your insurer

   Your claim starts only when you notify your insurance company (and, for flood, your separate flood insurer). Note the claim number, the date, and who you spoke with.

3. 03

   Keep your own record

   When it's safe, photograph the damage at your St. Lucie County property before repairs. Keep damaged items or samples only when safe and practical; don't retain unsafe or contaminated items or delay urgent cleanup. Save every estimate, receipt and letter.

• St. Lucie County government website

  Permits, building and code questions, and county services for unincorporated areas. Link from the Florida Department of State county list.

• St. Lucie County emergency management

  Shelters, re-entry, damage-reporting surveys and disaster updates. Link from the Florida Division of Emergency Management.

Permits: for property inside an incorporated city or town, contact that city's or town's building or code office; for unincorporated St. Lucie County, contact the county's building and code departments. County emergency management covers shelters, re-entry and damage reporting for the whole county.

St. Lucie County insurance claim blog

The Census Bureau's current geography lists 3 incorporated municipalities and 7 census-designated places with land in St. Lucie County. Many neighborhoods and rural addresses are not Census places. If yours isn't listed, the county page covers it — request a review below.

These pages cover one dated rain event and cite the official notices they rely on. This service-area page stays general.

• Port St. Lucie Canals and Swales: Flood Evidence
• Port St. Lucie Flood Claims: Keeping a Communication Log
• Port St. Lucie Contents Inventory After Flooding
• Port St. Lucie Electrical Panels, Outlets and Appliances
• Port St. Lucie: Disaster Assistance vs. Flood Insurance
• Port St. Lucie Mold Growth After Standing Water
• Port St. Lucie Flood Claims: Proof-of-Loss Deadlines
• Flood vs. Roof Leak in Port St. Lucie: What to Document
• Tile, Laminate and Carpet After Port St. Lucie Flooding
• Port St. Lucie Homeowners Policy Questions After Flooding
• Port St. Lucie HVAC, Ducts and Air Handlers
• Port St. Lucie Condo and HOA Water Damage: Who Handles What?
• Port St. Lucie Flooded or Towed Vehicles: What to Do
• Comparing Flood Repair Estimates in Port St. Lucie
• Documenting Floodwater Before Cleanup in Port St. Lucie
• Port St. Lucie Drying Logs and Moisture Readings
• Wet Drywall and Insulation After Port St. Lucie Flooding
• Water-Damaged Cabinets and Vanities in Port St. Lucie
• NFIP Flood Policy First Steps in Port St. Lucie
• Port St. Lucie Pool, Screen Enclosure and Yard Damage
• Port St. Lucie Rental Homes: Landlord and Tenant Claims
• 1PSL or Insurance? Port St. Lucie Flooding Steps
• Safe Reentry After Flooding in Port St. Lucie
• Sewer and Drain Backup After Heavy Rain in Port St. Lucie
• Port St. Lucie Small Business Flood and Business Income Claims

1. 01

   Request a review

   Send the form or call us. Tell us what happened and where the property is.

2. 02

   Review and inspect

   We review the information available and arrange a free property inspection as appropriate.

3. 03

   Discuss next steps

   We explain what we found and discuss possible next steps. If you choose to retain PAJOE, we represent you, the policyholder, under a written agreement.