At a glance
- Location: Hobe Sound, Florida
- Claim type: Water (residential)
- Carrier offer: $0 (denied as surface water)
- Final settlement: $20,000
- Increase: $20,000
What happened
The carrier denied the claim, stating the damage was caused by surface water — an exclusion in most homeowner policies.
How Ocean Point handled it
Eli Goins of Ocean Point Claims determined the water entered through a door seal above ground level and supported the finding with an engineer's report.
The result
The carrier reversed its position and settled the claim.