What is the Property Damage Claim Time Limit In Florida?

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When your property is damaged by a natural disaster, it can turn your life upside down. Trying to figure out the damage and file the claim before the time limit is up is often complicated and overwhelming, which is why you should first call Ocean Point at (888) 824-1306; we will take care of the logistics for you and make sure you are treated fairly by your insurance company.

The time limits for filing property damage claims in Florida vary, depending on what caused the damage. Hurricane, tornado, and flood damage generally have a time limit of five years. But what if your insurance company is taking too long to resolve a claim? What if they don’t want to give you the full value of your claim, or they deny it all together? Then you can file a claim against them. It’s a lot to worry about, especially when you’re already dealing with damaged property. The time limit to file a claim against the insurance company for windstorm and hurricane damage is three years. Don’t want to keep track of all this? Call Ocean Point and we’ll do it for you! (888) 824-1306.

Common Property Damage Claims in Florida

Hurricane damage, water damage, and sinkhole damage are some of the most common types of damage in Florida that are covered by insurance. These naturally disasters can cause a lot of issues- and insurance companies don’t all cover them in the same way. It all depends on your policy, which is why you should call Ocean Point before disaster strikes, to make sure you are fully covered if you ever need to file a claim.

Ocean Point Claims Company

You can prepare yourself ahead of making any claims by calling Ocean Point, but you can also call us if you are already in the middle of an insurance claim and need help! Call (888) 824-1306.

Call us today at (888) 824-1306!

OR you can contact us by filling out our contact form.
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Eli Goins

Ocean Point Claims is managed by lead public adjuster Eli Goins. Eli has been in the industry for 17 years, having first worked for multiple insurance companies for 10 years as an Independent Adjuster. After that time, Eli realized he wanted a change, explaining, “I’d rather help the homeowner, because they need help, and I use my [insurance industry] knowledge to do that.” A Public Adjuster is an Insurance Adjuster who works for the Policyholder, not the insurance company. Eli says,” You need somebody on your side that can prepare the paperwork and show the insurance company what the damage will cost to repair. The insurance companies have adjusters working in their favor, you should too!” Eli knows the tactics that insurance companies use to underpay or deny a claim. Our expert team of public adjusters will review your situation to determine the proper strategy for a positive resolution. Additionally, Eli understands the language of insurance policies and affirms, “People don’t realize that the policy excludes some things. They [the insurance company] may give you a limit of $10,000 for property damage, but I can get you $50,000 working from pure experience, really knowing the policies, and thinking outside the box.” Thinking creatively, documenting thoroughly, and strategizing a solid plan are the processes that set Ocean Point Claims apart from its competitors. Eli likens himself and Ocean Point to “woodpeckers that just don’t stop” because they demand that their clients receive what they are entitled to. “We will make sure that we squeeze all of the juice out of that orange [claim] for our clients,” says Eli.
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