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
Verified five-star reviews from Florida homeowners and business owners we've represented across hurricane, water, roof, and denied-claim work.
Meet Ocean Point
A look at how we 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
Hobe Sound, FL · Hurricane — Residential
Casey
Offer
$105,000
Final
$255,150
+143%increase
Read case study →
Dunedin, FL · Hurricane — Residential
Raj
Offer
Denied
Final
$270,000
Denied → settled
Read case study →
Fort Myers, FL · Hurricane — Residential
Michael
Offer
Denied
Final
$25,000
Denied → settled
Read case study →
Prior results are specific to the facts of each claim and do not guarantee similar outcomes. Cases shared with client permission.
Why Ocean Point
Policyholder-only. Statute-grounded. Documentation-first.
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
21 years of representing Florida policyholders.
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
- 85+
- Five-star client reviews
- 7
- Licensed public adjusters on staff
By claim type
Every Florida property claim 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
Florida claim guides that actually 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.
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.