Public Adjuster vs. Attorney: Which Do I Actually Need?
Florida public adjuster vs. attorney: the real differences, when each is the right fit, and why many Florida claims benefit from both.
Florida property insurance insight
Notes from the front lines of Florida claims: carrier trends, statutory changes, policyholder playbooks, and after-action summaries from Hurricane Idalia, Ian, Helene, and Milton.
Blog list
Florida claim playbooks & insights
Plain-language guides from 21 years of Florida claim work: statutes explained, denial patterns, appraisal mechanics, and after-action notes from each season.
How to Prepare for Florida Hurricane Season: Insurance Edition
Florida hurricane prep from the claims perspective: policy review, documentation, deductibles, and the pre-season checklist that saves a claim.
What to Do Immediately After a Fire in Your Florida Home
The first 72 hours after a Florida residential fire: safety, mitigation, documentation, and the insurance-side steps that protect the claim.
Understanding Your Florida Homeowner Policy Declarations Page
How to read a Florida homeowner insurance declarations page: coverage limits, deductibles, endorsements, and what each line actually means.
10 Florida Insurance Myths That Cost Policyholders Money
The most common Florida homeowner insurance myths that lead to underpayment or denied claims: debunked with statute and case law.
Why My Florida Roof Claim Was Denied: And What to Do Next
Florida roof claim denials follow predictable patterns: wear-and-tear, cosmetic exclusions, late notice. How to reverse each one.
How to Read a Florida Insurance Denial Letter
Florida denial letters follow a template. Learn to identify the cited basis, the statutory provision, and your paths to reversal.
Appraisal vs. Litigation: Which Is Better for Florida Insurance Claims?
Florida appraisal vs. litigation: the cost, timeline, and outcome differences, and how to choose the right path for your specific dispute.
When to File a Supplemental Claim in Florida
The 18-month Florida supplemental window (Fla. Stat. 627.70132) is underused. When to file, what to include, and how it preserves recovery.
How Florida's 2022–2023 Insurance Reform Changed Claims
SB 2A, SB 2D, HB 837: how the 2022-2023 Florida property insurance reform package reshaped the claim landscape for policyholders.
What Is Bad Faith Insurance in Florida?
Florida bad-faith insurance explained: statutory basis (Fla. Stat. 624.155), CRN process, damages available, and how to document.
How to Prepare for Your First Public Adjuster Consultation
Get the most out of your free Florida public adjuster consultation: what to bring, what to ask, and what to expect.
The Most Common Florida Hurricane Claim Mistakes
Late notice, wrong deductible interpretation, throwing away damaged materials, accepting first offers: the claim-killing mistakes Florida homeowners make after a hurricane and how to avoid each.
Florida Sinkhole Insurance Claims: Complete Guide
Florida sinkhole claim coverage, documentation, and dispute resolution: the 2-year limitations, neutral evaluator option, and typical outcomes.
How Long Does an Insurance Claim Take in Florida?
Florida insurance claim timelines explained: statutory deadlines, typical resolution windows, and what drives delays.
What Is Xactimate and Why It Matters for Your Florida Claim
Xactimate is the estimating platform Florida carriers use. Understanding it helps you audit claim estimates and counter underpayment.
The Truth About Florida Carrier Preferred Vendors
Florida carriers steer policyholders to preferred contractors. You have the right to choose your own. Here's why it matters.
When Florida Carriers Invoke the Appraisal Clause on You
Appraisal is usually a policyholder tool. But carriers invoke it too: sometimes strategically. How to respond.
Florida's Matching Statute (626.9744): The Claim Tool Carriers Hope You Don't Know
Fla. Stat. 626.9744 requires continuous-area replacement when damaged materials can't be matched. One of Florida's strongest pro-policyholder statutes.
Depreciation Tricks Florida Carriers Use to Reduce Your Claim
How Florida carriers inflate depreciation to reduce ACV payouts, and how to push back with documentation and statute.
How to Document Hurricane Damage for an Insurance Claim
Step-by-step Florida hurricane damage documentation: what to capture, when, and how to organize it for maximum claim recovery.
Florida Hurricane Deductibles Explained
How Florida hurricane deductibles actually work: when they apply, how they're calculated, and what they cost you out of pocket.
Why Your Mortgage Company Is on Your Insurance Check
How mortgage companies get named on Florida insurance claim checks, and how to navigate the endorsement process.
Assignment of Benefits After Florida's 2022 Reform
Fla. Stat. 627.7152 reshaped Assignment of Benefits after 2022 reform. What's permissible, what isn't, and what policyholders should do.
First-Party vs. Third-Party Insurance Claims in Florida
Florida first-party (your own claim) vs. third-party (liability) insurance claims: the critical differences and how each is handled.
What to Expect at a Florida DFS Mediation
Florida DFS-sponsored mediation walkthrough: what happens on the day, how to prepare, and typical outcomes.
Hidden Water Damage Behind Walls: Finding What Adjusters Miss
Hidden moisture in Florida walls is the most commonly underpaid water-damage scope. How to detect and document.
How Florida Insurance Carriers Investigate Fraud
Inside carrier SIU (Special Investigations Unit) fraud-handling: triggers, process, and how legitimate claims get caught up.
Florida Condo Master Policy Disputes: What Unit Owners Need to Know
Florida condominium insurance disputes between unit owners and associations: coverage boundaries, documentation, and resolution paths.
When Your Florida Insurance Company Goes Into Receivership
When a Florida insurance carrier becomes insolvent, policyholders face specific risks and protections. What happens and how FIGA handles claims.
Hurricane Ian Claims Three Years Later: Still Recoverable?
Hurricane Ian hit in September 2022. Three years on, what claim options remain for Florida policyholders still dealing with post-Ian issues.
Choosing the Right Contractor After a Florida Insurance Loss
How to pick a Florida contractor for insurance-claim repair work: licensing, experience, AOB avoidance, and red flags to watch.
The Legal Difference Between Adjuster Types in Florida
Company adjusters, independent adjusters, public adjusters, and catastrophe adjusters: the legal and practical differences in Florida.
Florida Insurance Claim Timelines: A Complete Walkthrough
Every stage of a Florida property insurance claim with expected timing, statutory deadlines, and what can slow things down.
Understanding Florida Business Interruption Insurance
Florida commercial business interruption coverage: what's covered, how lost income is calculated, and the claim process.
Florida Fire Insurance Claim Complete Guide
Every aspect of a Florida residential fire insurance claim: from first call to final settlement, with the statutes and tactics that matter.
HVAC Damage After a Florida Storm: Claim Guide
HVAC damage from storms, water, lightning, and smoke: the claim issues, coverage basis, and replacement-vs-repair dispute.
Florida Hurricane Insurance Claims Guide (2026)
How Florida hurricane claims work in 2026: the hurricane deductible, the 60-day pay-or-deny rule (Fla. Stat. 627.70131), and the 1-year notice deadline.
Common Property Insurance Claim Mistakes Florida Homeowners Make
The costly property insurance claim mistakes Florida homeowners make, from missing the 1-year notice deadline (Fla. Stat. 627.70132) to accepting the first offer.
How to Maximize a Property Insurance Claim in Florida
Maximize a Florida property insurance claim: document fully, read your policy, claim matching (Fla. Stat. 626.9744) and code upgrades, and enforce carrier deadlines.
What Does a Public Adjuster Do in Florida?
A Florida public adjuster represents the policyholder, not the insurer, licensed under Fla. Stat. 626.854 to document, estimate, and negotiate your claim.
Water Intrusion Claims in Vero Beach After Storms
Vero Beach water intrusion claims hinge on proving a wind-created opening. How Indian River County coastal claims get disputed, and how to protect your settlement.
Storm Damage Claims Underpaid in West Palm Beach
Why West Palm Beach storm claims come in low: underscoped roofs, omitted matching (Fla. Stat. 626.9744), and missed code upgrades. How to recover the difference.
Storm Roof Damage in Sebring, FL: What to Know
Inland Sebring roof damage is often underscoped after storms. What Highlands County homeowners should document to protect a roof insurance claim.
Common Hurricane Insurance Claim Mistakes in Fort Myers
The hurricane claim mistakes that cost Fort Myers homeowners: trusting the first inspection, overlooking roof damage, and missing the 1-year notice deadline.
What to Do After Hurricane Damage in Orlando, FL
A step-by-step guide for Orlando homeowners after hurricane or storm damage: document, mitigate, understand your hurricane deductible, and meet the filing deadline.
Treasure Coast Condo & HOA Insurance Claims: Who Pays for What?
Condo or HOA on the Treasure Coast? Florida Statute 718.111(11) splits the master policy from your HO-6. Who pays for roof, water, and interior damage explained.
How to Dispute an Underpaid Insurance Claim in Florida
Dispute an underpaid Florida claim: review the policy, build an independent estimate, then use appraisal, DFS mediation, or a Civil Remedy Notice (Fla. Stat. 624.155).
Coronavirus and Business Interruption Claims: Are you Insured?
How COVID-era business interruption claims were evaluated in Florida, why viral-loss exclusions applied, and what to check in your BI policy language.
Denied or Underpaid Claims? Call a Public Adjuster Near You!
Denied or underpaid Florida claim? A licensed public adjuster re-estimates the loss and negotiates, on a fee capped by Fla. Stat. 626.854. How it works.
Eli Goins: A Trusted Expert in Fire Insurance Claims
Eli Goins, an expert at Ocean Point Claims, brings his expertise to fire insurance claims. Get the maximum settlement you deserve with Eli Goins by your side.
Eli Goins Featured in CBS News Article on Florida Property Insurance Bill
Ocean Point's Eli Goins was featured by CBS News on Florida's property insurance reform. What the bill changed for policyholders and claim deadlines.
Florida's Most Common Property Damage Claims
The most common Florida property damage claims, water, wind, roof, and fire, and why each is frequently underpaid. What policyholders should document.
Maximizing Your Underpaid or Denied Home Insurance Claims in Florida: The Case for Hiring Florida Public Adjusters
Discover why Florida homeowners should hire experienced public adjusters to navigate denied and underpaid insurance claims effectively. Learn how Florida public adjusters advocate, negotiate, and maximize settlements, ensuring fair compensation and peace of mind.
Navigating the Aftermath of Hurricane Idalia & Why You Should Hire A Public Adjuster
If your home or business was damaged by Hurricane Idalia, call Ocean Point Claims to get help with the insurance claims process.
Navigating the Countdown: Hurricane Ian Insurance Claims
Navigate the time-sensitive challenge of filing Hurricane Ian insurance claims, where homeowners have less than a year left out of the two-year timeframe. Trust our experts to address underpaid or denied claims and secure the maximum settlement you deserve.
Should I hire a Public Adjuster?
Should you hire a public adjuster in Florida? When representation pays off, what it costs under Fla. Stat. 626.854, and when to handle a claim yourself.
Steps to Take Before You File a Water Damage Claim
Documentation, mitigation, and policy review steps every Florida homeowner and business owner should complete before filing a water damage insurance claim, with carrier-side pitfalls to avoid.
Understanding Insurance Adjuster roles and types
The types of insurance adjusters explained, company, independent, and public, and whose interests each represents in a Florida property claim.
What is a CAT Adjuster?
A CAT (catastrophe) adjuster is deployed by insurers after major storms to process high claim volumes fast. What that means for your Florida settlement.
What Is an Undisputed Payment From Your Insurance Company?
Receiving an undisputed payment, even if it’s not enough to cover the full cost of repair, does not mean this is the end of your insurance claim.
What is the Property Damage Claim Time Limit In Florida?
Florida property claims must be reported within 1 year of loss and supplemented within 18 months under Fla. Stat. 627.70132. The deadlines explained.
What You Need to Know About Hurricane Damage Claims in Florida
If your home or business was damaged by a hurricane, call Ocean Point Claims to get help with the insurance claims process.
Why is my mortgage company on my insurance check?
Receiving an undisputed payment, even if it’s not enough to cover the full cost of repair, does not mean this is the end of your insurance claim.
Fire Damage: What You Should Do Immediately After
Steps you should take after a fire. Fire damage to your property is stressful. The task of taking on the insurance company alone is daunting!
Chaos in the Gulf: Hurricane Milton Ravages Florida, Communities Fight to Recover
Hurricane Milton's October 2024 path across Florida and the claim-handling dynamics that followed. What affected homeowners should know about recovery.
Hurricane Milton's Wrath: Tornadoes Bring Further Devastation and Loss to Florida
Hurricane Milton spawned tornadoes that compounded Florida storm damage in October 2024. How multi-peril claims are documented and why they get disputed.
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Article archives
Article indexes for our most-published claim categories.
- Topic archiveWater damage articles
Pipe burst, slab leak, supply-line failure, and storm-driven water intrusion claims.
- Topic archiveStorm damage articles
Hurricane, wind, hail, and named-storm property claim coverage.
- Topic archiveFlorida public adjuster articles
How public adjusting works, fees, when to hire, what to expect.
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