Coastal Claims
Coastal Claims Services Inc. is a founder-owned, multi-state public adjusting firm that represents residential and commercial property owners, HOAs, and contractors in insurance claim negotiations on a contingency-fee basis across more than 30 U.S. states.
- Company typePrivate
- Founded2020
- HeadquartersNew Smyrna Beach, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Coastal Claims does
Coastal Claims Services Inc. is a privately held public adjusting firm founded in 2020 and headquartered in New Smyrna Beach, Florida, with additional offices in Indialantic (FL), Grapevine (TX), Doylestown (PA), and Boca Raton (FL). The company represents residential property owners, commercial property owners, HOAs/condominium associations, and contractors in negotiations with insurance carriers across more than 30 U.S. states, where it holds individual public adjuster licenses (e.g., FL #W805711, CA #6015128, TX #2747194, PA #1004567). Service lines span storm/hurricane/hail damage, water damage, fire damage, business interruption, vandalism, sinkhole, and other miscellaneous property losses, plus appraisal/umpire dispute resolution.
The firm operates a six-step claims workflow (Submit Claim, Policy Review, Investigation, Estimate, Negotiation, Settlement) supported by a claims management portal branded as ClaimWizard that gives clients real-time status visibility. Underlying technology is limited to workflow/documentation tooling rather than proprietary AI; the service is fundamentally delivered by licensed human public adjusters, with senior credentials such as SPPA in-house.
Coastal Claims is compensated purely on a contingency basis — typically a state-regulated percentage of the settlement recovered, with no upfront fees — aligning its incentives with the policyholder. The firm is founder-owned and operated (CEO Frank Dalton, President Heidi Haskill, Director of Finance Tara Dalton), with no disclosed outside funding, and acquires customer leads through a multi-channel mix of organic social (Instagram, Facebook, LinkedIn, TikTok), an SEO blog, a national phone line (1-844-2File-Now), and website submission forms segmented by client type.
Coastal Claims firmographics
Firmographics- Name
- Coastal Claims
- Legal name
- Coastal Claims Services Inc.
- Website
- https://coastalclaims.net
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Coastal Claims Services Inc. is a founder-owned, multi-state public adjusting firm that represents residential and commercial property owners, HOAs, and contractors in insurance claim negotiations on a contingency-fee basis across more than 30 U.S. states.
- Ownership category
- akta.pro rank
Coastal Claims industry classification
Industry- Product category
- Insurance Claims Adjusting Services
- NAICS
- Claims Adjusting (524291)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro industry
- Claims Handling, Documentation & Dispute Resolution ServicesHome & Personal Services/Moving, Storage & Relocation Services/Moving Insurance & Valuation Services
Keywords
Where Coastal Claims is headquartered
LocationHeadquarters
- HQ city
- New Smyrna Beach
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Coastal Claims business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Public Adjusting Services: Coastal Claims operates on a contingency fee model where they receive a percentage of the settlement amount collected on behalf of policyholders. There are no upfront fees required - the company only gets paid when the client receives payment from the insurance company. Per state guidelines, the percentage may vary by location. This aligns incentives between the company and client.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Pay-as-you-go | Contingency-based public adjusting services |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Coastal Claims product offering
Product offeringCore offering
Coastal Claims provides licensed public adjusting services that represent property owners in negotiations with their insurance carriers to secure fair property damage settlements. Services are delivered by a national team of field and office adjusters across residential, commercial, HOA, and contractor segments, with a 6-step workflow from claim submission through settlement. The firm also offers appraisal and umpire dispute resolution services when policyholders and insurers cannot agree on a settlement amount.
Product overview
Coastal Claims operates as a public adjusting services company offering a comprehensive suite of property insurance claim handling services. The core offering consists of licensed public adjusters who represent policyholders (not insurance companies) to secure fair claim settlements. Services span multiple damage categories including storm damage (hurricanes, tornadoes, hail, wind), water damage (pipes, flooding, mold), fire damage, and miscellaneous property losses. The company provides distinct service tracks for residential clients, commercial/business owners, HOA/property managers, and contractors. Additional services include appraisal and umpire dispute resolution, business interruption claims, and a claims portal for real-time claim tracking. The portfolio is organized around the core public adjusting service augmented by specialized claims handling modules for different property types and damage scenarios.
Differentiator
Problem solved
Functional benefit
Products and services
- Public Adjusting Services Licensed public adjusters represent residential and commercial property owners in insurance claims, working to secure fair settlements from insurance companies across a 6-step workflow (Submit Claim, Policy Review, Investigation, Estimate, Negotiation, Settlement).
- Storm Damage Claims Handling Specialized claims handling for severe weather events including hurricanes, tornadoes, hail storms, wind storms, lightning, and leaking/burst pipes for residential and commercial property owners.
- Water Damage Claims Handling Claims management for water-related losses including leaking/burst pipes, foundation leaks, sewer line breaks, sprinkler discharge, mold damage, and flood damage.
- Fire Damage Claims Handling Professional handling of fire insurance claims including smoke/soot damage assessment and contents recovery services for damaged residential and commercial property.
- Miscellaneous Property Damage Claims Handling Claims handling for business interruption, vandalism/theft, sinkhole damage, explosion damage, aircraft/marine damage, boiler/mechanical failure, and collapse losses.
- Appraisal & Umpire Services Alternative dispute resolution services where insurance appraisers and umpires provide unbiased evaluations when policyholders and insurance companies cannot agree on claim settlement amounts.
- Commercial Claims Services Specialized public adjusting services for commercial and industrial properties including retail buildings, warehouses, office buildings, hotels, hospitals, and other commercial facilities.
- HOA & Property Manager Claims Services Claims handling for homeowner associations, condominium associations, and property management companies with expertise in complex multi-unit building claims and shared policy structures.
- Contractor Partnership Services Collaborative claims support for roofing contractors and general contractors, providing policy expertise to complement contractor property restoration work.
- ClaimWizard Claims Portal Access Online portal providing Coastal Claims policyholders with live-time updates and personalized access to track claim progress throughout the settlement process.
Quantifiable outcome
- Public adjusters negotiate up to 747% larger insurance settlements for commercial business and homeowner insurance property loss claims than the insurance company was planning to pay
Companies that use Coastal Claims
Customer profileSegments4 records
Ideal customer profiles4 records
Coastal Claims technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Coastal Claims partnerships and signals
Strategic signalScale indicators1 record
Recent moves7 records
Expansion highlights3 records
Coastal Claims competitors and assessment
Company assessmentDirect peers
- Adjusters International: One of the largest U.S. public adjusting firms, representing policyholders on commercial and residential property claims nationwide. Closely comparable to Coastal Claims in service model, contingency pricing, and focus on maximizing insurance settlements.
- EAsoft Public Adjusters: National public adjusting firm handling residential and commercial property claims on a contingency basis. Direct competitor with similar service portfolio, licensing footprint, and contingency fee model.
- Engle Martin & Associates: Independent insurance adjusting firm handling property and casualty claims across the U.S. Direct overlap in claims handling services, though typically works on the carrier side; comparable in adjuster network and multi-state operations.
- Citizens Public Adjusters: Regional public adjusting firm representing homeowners and businesses against insurance carriers. Similar business model, similar target customer (policyholders post-loss), and similar adverse relationship with insurance carriers.
- Custard Insurance Adjusters: National independent insurance adjusting firm with multi-state operations handling property claims. Similar size and geographic scope to Coastal Claims' adjuster team, with comparable workflow and damage-type expertise.
- Weather Adjusters: Specialized public adjusting firm focused on weather-related property claims including hurricanes, hail, and wind. Overlaps with Coastal Claims' storm damage service line and contingency-based business model.
- Vortex Public Adjusters: Public adjuster focused on residential and commercial property damage claims across multiple states. Directly comparable in customer segment, contingency fee structure, and damage-type coverage (storm, water, fire).
Broad incumbents
- Sedgwick Claims Management Services: Large third-party claims administrator handling property and casualty claims on behalf of insurance carriers. Operates on the opposite side of the negotiation from Coastal Claims but in the same broader claims handling industry.
Others
- American Property Casualty Insurance Association (APC) - Public Adjusting Affiliates: Industry association representing property-casualty insurers; relevant as the counterparty ecosystem that policyholder-side public adjusters engage with. Adjacent/ecosystem participant rather than direct competitor.
Emerging players
- Pilot Catastrophe Services: Catastrophe-focused claims handling firm operating on behalf of insurance carriers. Adjacent in catastrophe claims domain but represents carriers, not policyholders, making it a partial overlap rather than direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Coastal Claims social profiles
Digital presenceCoastal Claims financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coastal Claims leadership team
Management profileNumber of profiles
Profiles11 records
Coastal Claims funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coastal Claims M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coastal Claims
What does Coastal Claims do?
Coastal Claims provides licensed public adjusting services that represent property owners in negotiations with their insurance carriers to secure fair property damage settlements. Services are delivered by a national team of field and office adjusters across residential, commercial, HOA, and contractor segments, with a 6-step workflow from claim submission through settlement. The firm also offers appraisal and umpire dispute resolution services when policyholders and insurers cannot agree on a settlement amount.
Is Coastal Claims a public or private company?
Coastal Claims is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Coastal Claims founded?
Coastal Claims was founded in 2020. It employs 51 to 100 people.
Where is Coastal Claims based?
Coastal Claims is headquartered in New Smyrna Beach, United States, in the North America region.
How does Coastal Claims make money?
One revenue line is on record: public Adjusting Services.
Who are Coastal Claims's main competitors?
Direct peers on record are Adjusters International, EAsoft Public Adjusters, Engle Martin & Associates, Citizens Public Adjusters, Custard Insurance Adjusters, Weather Adjusters and Vortex Public Adjusters. Sedgwick Claims Management Services is listed as a broad incumbent. American Property Casualty Insurance Association (APC) - Public Adjusting Affiliates is listed as an others. Pilot Catastrophe Services is listed as an emerging player.
Does Coastal Claims have an API?
No public API is recorded for Coastal Claims.
What industry is Coastal Claims in?
Coastal Claims's product category is Insurance Claims Adjusting Services. Its primary akta.pro industry code is HSAKANAI, Claims Handling, Documentation & Dispute Resolution Services. Its NAICS code is 524291 and its SIC code is 6331.