About Eli
Eli Goins is the President of Ocean Point Claims Company and its Lead Public Adjuster. Over 21 years in the Florida insurance industry, Eli has handled more than 500 DFS-sponsored mediations and negotiated thousands of property insurance claims, first as a carrier-side independent adjuster for ten years, then as a policyholder-only public adjuster since founding Ocean Point.
That dual-track career gives him a specific advantage: he understands how carriers build claim files, what their desk supervisors look for, and which arguments actually move the number. Policyholders benefit from that experience every time he walks into a mediation room or files a Civil Remedy Notice.
Eli is also one of Florida's trusted experts in fire insurance claims, handling everything from partial-loss smoke remediation through total-loss residential and commercial fires. Fire claims involve detailed contents inventories, additional living expense documentation, code-upgrade coverage analysis, and carrier-side cause-and-origin investigations: Eli has worked all of them, and he negotiates fire claims with the same documentation-first, statute-grounded approach he applies to hurricane and water work.
Specialty claim types
- Hurricane and named-storm claims (statewide, all major events since Wilma)
- Fire and smoke damage (residential and commercial, partial and total losses)
- Denial reversal and complex underpayment
- Appraisal panel work as appraiser or umpire
- Civil Remedy Notice preparation under Fla. Stat. 624.155
- Commercial and HOA / condo association claims
- High-value residential loss (seven-figure fire, water, and hurricane recoveries)
Credentials
- Florida DFS License: #P159790
- Years in Florida insurance: 21
- Mediations handled: 500+
- Featured on CBS News covering Florida property insurance legislation
Languages
English
How Eli works
Eli's approach is documentation-first, statute-grounded, and persistently calm. He's been quoted comparing his team's advocacy style to "woodpeckers that just don't stop," not because they're aggressive, but because they don't give up on scope items the carrier has tried to close out.
On complex claims, Eli personally handles the policy review, the Xactimate estimate, and the negotiation. On mediations and appraisals, he often serves as the policyholder's named appraiser or the panel umpire.
Beyond Ocean Point
Eli also publishes commentary, case studies, and Florida-claim insights on his personal site, eligoins.com, where he covers public-adjusting topics in greater depth than fits inside Ocean Point's services pages.
Contact
Call (888) 824-1306 or request a free claim review. Eli reviews every consultation personally for complex or high-value claims.