My claim was denied
A denial is not the final word. Most denials can be reversed through documentation, re-estimation, or appraisal.
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Managing Property Insurance Claims for Florida Homeowners
Licensed public adjusters handling the details so you don’t have to.
Serving all of Florida including service areas such as West Palm Beach, Orlando, Tampa, Fort Myers, and Jacksonville.
Real Florida clients
What policyholders say about Ocean Point Claims
Five-star reviews from the homeowners and businesses we've represented.
Meet Ocean Point
How does Ocean Point represent Florida policyholders?
Two minutes on who we are, how we work claims, and why we only represent policyholders, never carriers.
Find your situation
What's wrong with your claim?
Every situation below has a specific playbook. Start with the one that matches yours: each page ends with a clear next step.
My settlement is too low
Carrier estimates frequently under-scope repairs. A full Xactimate re-estimate usually moves the number materially.
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My claim is stalled
Florida Statute 627.70131 sets hard carrier deadlines. Delay past them creates bad-faith exposure and leverage.
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The first offer is insulting
The opening offer is rarely the last number. What you do next determines whether the settlement doubles or doesn't.
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The carrier isn't responding
Written demand, CRN, and DFS complaint are all tools: used in sequence and with specific statutory triggers.
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I don't understand the denial letter
Every denial cites a specific policy basis. Decoding the cited basis is step one of the reversal playbook.
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Recent Results
What full representation moves the number to
Captiva, FL · Hurricane, Residential
Roger
Offer
Denied
Final
$1,470,397
Denied → settled
Read case study →
Cape Coral, FL · Hurricane Ian, Residential
Will
Offer
$12,600
Final
$251,045
+1892%increase
Read case study →
Hobe Sound, FL · Water, Residential
Daniel & Jeanne
Offer
Denied
Final
$20,000
Denied → settled
Read case study →
Specific case. Individual results vary. Public adjuster fees in Florida are capped by law (Fla. Stat. 626.854(11)). Cases shared with client permission.
Why Ocean Point
Why choose a policyholder-only public adjuster?
We do not represent insurance carriers. We do not represent restoration contractors. We represent you, the policyholder, and that posture shapes every document, every deadline, and every negotiation.
- Florida 3-20 licensed adjusters on staff
- Every claim scoped in Xactimate with F9 notes
- Fla. Stat. 626.854 contract discipline
- Appraisal, mediation, and CRN in our wheelhouse
What do 21 years of Florida claims work add up to?
Specialty-matched adjusters, documentation-heavy practice, and a bias for preparing every claim as if it's going to appraisal.
- 21
- Years representing Florida policyholders
- 500+
- DFS-sponsored mediations
- 86+
- Five-star client reviews
- 4
- Licensed public adjusters on staff
As featured inCBS News
By claim type
Which Florida property claims do we handle?
Specialty-matched adjusters across residential, commercial, association, and specialty losses.
- HurricaneWind, rain, and surge losses governed by Florida's hurricane-specific deductibles, deadlines, and supplemental rules.
- Water DamageBurst pipes, supply-line failures, and roof intrusion, the most commonly underpaid claim type in Florida.
- RoofStorm, hail, and age-related roof claims where matching, code-upgrade, and repair-versus-replace arguments decide the payout.
- Fire & SmokeTotal losses, partial losses, and smoke remediation, with full contents inventories and additional living expense.
- HailRoof and exterior hail damage frequently misdiagnosed as wear-and-tear by carrier inspectors.
- Lightning & SurgeDirect strikes and power-surge damage to electronics, HVAC equipment, and home wiring systems.
- Sinkhole & SlabGeological investigation, structural assessment, and Florida-specific sinkhole coverage and stabilization rules.
- Cast Iron & Legacy PlumbingSouth Florida cast-iron, polybutylene, and slab-leak failures where carrier wear-and-tear arguments are routinely overcome.
- MoldSublimited and excluded mold claims that turn on proving the underlying covered cause and full remediation scope.
- Commercial & BIBusiness interruption and extra-expense claims when a covered loss disrupts operations or revenue.
- HOA & CondoMaster-policy versus HO-6 coverage and common-element scope across Chapter 718 condos and HOAs.
- Denied / UnderpaidReversing wrongful denials and capturing the gap between carrier offers and the full value of your loss.
Deep dives
Which Florida claim guides tell you what to do?
Three flagship guides distill what 21 years of Florida claim work actually looks like in practice. Each is written for the policyholder who just received a denial letter, a lowball offer, or a proof-of-loss demand.
FAQ
Common questions from Florida policyholders
What does a public adjuster do in Florida?
A Florida-licensed public adjuster represents you, the policyholder, in negotiating a property insurance claim. Activities include inspecting the loss, documenting damage, preparing a detailed Xactimate estimate, submitting and managing the claim with the carrier, and negotiating the settlement. Only public adjusters and attorneys may legally represent a Florida policyholder in claim negotiations.
How much does Ocean Point cost?
Ocean Point works on contingency: you pay nothing up front and nothing if we do not recover. Public adjuster fees are capped by Florida Statute 626.854, with a reduced cap for claims arising from declared emergencies. Our specific fee is disclosed and agreed in writing before any work begins, and you have a statutory 10-day right to cancel.
When should I call a public adjuster?
As early as possible: ideally before the carrier's first inspection. Early engagement means the claim is documented correctly from day one. That said, we also handle denied, underpaid, delayed, reopened, and supplemental claims at later stages, including after a low carrier offer has been made.
Is my claim worth enough to hire a public adjuster?
We have no minimum claim size. Our free consultation tells you whether representation is likely to improve your outcome: we say so when it isn't. For small or clearly covered claims, self-representation is sometimes the right call and we will tell you that.
About Ocean Point Claims
Ocean Point Claims Company, LLC is a Florida-licensed public adjusting firm (FL DFS License #W829547) based in Hobe Sound, Florida, representing residential and commercial policyholders — never insurance carriers — in property insurance claims statewide. The firm is led by founder and president Eli Goins, a licensed Florida public adjuster (FL DFS #P159790) with more than two decades of claims experience and 500+ DFS-sponsored mediations. Ocean Point Claims is a member of the Florida Association of Public Insurance Adjusters (FAPIA).
Verify our license with the Florida DFS · About the firm · In the press
Florida claim answers
How do Florida property insurance claims actually work?
Florida sets hard, statute-based deadlines on your insurer and caps what a public adjuster can charge. Knowing the numbers is often the difference between a first offer and the full value your policy supports.
| Carrier obligation | Deadline (Fla. Stat. 627.70131, 2022) |
|---|---|
| Acknowledge the claim | Within 7 days |
| Begin the investigation | Within 7 business days of proof of loss |
| Conduct any physical inspection | Within 30 days |
| Pay or deny the claim | Within 60 days, with statutory interest on late payment |
Key takeaway: when a carrier blows these deadlines, the delay itself becomes leverage. Before the 2022 reform (SB 2A) the pay-or-deny window was 90 days.
What does a public adjuster cost in Florida?
According to Fla. Stat. 626.854, public adjuster fees are capped at 20% of the claim payment, and 10% for claims from a declared emergency in the first year. You also have a 10-day right to cancel the contract, and Ocean Point works on contingency: no recovery, no fee.
How long do you have to report a Florida claim?
Under Fla. Stat. 627.70132, new or reopened property claims must be reported within 1 year of the date of loss, and supplemental claims within 18 months. Missing these windows can end an otherwise valid claim.
Should you hire a public adjuster, or handle the claim yourself?
Bottom line: representation usually helps most when a claim is denied, underpaid, delayed, or complex. For a small, clearly covered loss, self-representation can be the right call, and we will tell you when it is. Who it is for: Florida policyholders who want a licensed adjuster (Ocean Point Claims, FL DFS #W829547) documenting the loss to what the policy and Florida law actually owe.
Ready for a claim review?
Two minutes. No up-front fees. No recovery, no fee. A licensed Florida public adjuster calls you back within one business day.