From hillside homes and beachfront villas to hotels and resorts, restaurants, marinas, medical facilities, schools, and commercial buildings, Clarke & Cohen guides Virgin Islands policyholders through every phase of the claim, from the first inspection to the last payment.

Common Property Claims in the U.S. Virgin Islands

The territory's claims history was rewritten in September 2017, when Irma and Maria, two Category 5 hurricanes, struck within two weeks of each other. Irma devastated St. Thomas and St. John, from Charlotte Amalie to Cruz Bay, and Maria followed with a direct hit on St. Croix, leaving owners in Christiansted and Frederiksted to rebuild alongside their neighbors to the north. Beyond named storms, island properties contend with tropical-storm wind and rain, coastal surge, mold that takes hold quickly in the humid climate, salt-air deterioration that complicates damage assessments, and the seismic risk shared across the region. For the villas, resorts, and charter and marina businesses that drive the economy, business interruption is frequently the largest part of any claim, and losses involving cisterns, generators, and solar systems add equipment dimensions most mainland claims never include.

Our consultants handle every claim for the policyholder alone, confirming the coverage, documenting the property and income loss in full, valuing it completely, and presenting a claim built for total recovery.