About this report.The firm figures below are computed directly from Ocean Point's 15 published, client-permissioned Florida case studies - every underlying case is linked from Case Studies and summarized in Case Results by the Numbers, so every number here can be checked against its source case. Nothing is modeled or projected. Statewide context figures come from published Florida regulator data and are cited where they appear.
1. Offer-to-settlement gap in our published cases
The difference between the carrier's first offer and the final settlement, across the 10 published Ocean Point cases where the carrier made a nonzero first offer. This is the single clearest measure of how much a first offer can understate a Florida loss.
- Hurricane & wind:median +173% across 8 published cases (range +110% to +1892%)
- Water & plumbing:+138% and +584% in the 2 published cases
Roof-only and fire claims are not yet represented in the published case set, so no figure is reported for them. The hurricane figure is a median, not an average, so a single unusually large recovery cannot inflate the headline number.
2. Denial-reversal outcomes
Among the published cases, 5 began with the carrier paying $0 - a denial or a below-deductible position.
- Resolved to a payment:5 of 5 published $0-offer cases settled for a recovery
- Recoveries in those cases:$10,000 to $1,470,397 (median $25,000)
These are the firm's published cases, not a random sample of all denials; unpublished files are not counted in either direction.
3. Carrier timelines vs. the statutory clock
Florida law sets hard carrier deadlines: Fla. Stat. 627.70131 requires acknowledgment within 7 days and payment or denial within 60 days. Statewide, the Florida Office of Insurance Regulation's January 2026 Property Insurance Stability Report (closed-claims data for calendar year 2024) found insurers took an average of 57 days to close a claim (median 27 days) - meaning the average Florida claim runs nearly the full statutory window, and a large share of claims run past it (FLOIR, Jan. 2026).
Ocean Point's published case studies document offers and settlements, not day counts, so no firm-side timeline figure is reported here. Where a carrier misses the 60-day clock on a live file, we document it - see the Delay Log™.
4. Why Florida claims close without payment
Statewide regulator data shows how often - and why - Florida property claims end with no payment. In the Florida OIR's hurricane claims data (April 2025), the top reasons claims closed without payment were damage below the deductible (33% of Hurricane Helene and 41% of Hurricane Milton closed-without-payment claims) and flood damage excluded from the policy (20% of Helene's), followed by withdrawn claims, claims opened in error, and lack of policyholder cooperation (FLOIR, Apr. 2025).
A "below deductible" or excluded-cause position is a carrier conclusion, not a fact - several of the published $0-offer cases in section 2 began exactly that way and settled after the loss was re-documented. An independent state study reached the same direction: policyholders represented by public adjusters received materially higher settlements on Citizens Property Insurance claims (OPPAGA Report 10-06; individual results vary).
Methodology
Firm figures are computed at build time from the 15 published case studies listed on /case-studies/ (client-permissioned, real carrier offers and settlements; medians reported alongside ranges). They describe the published case set only, not all firm files, and are not modeled or projected. Statewide figures are quoted from the Florida Office of Insurance Regulation and OPPAGA publications linked where they appear.
Specific case. Individual results vary. Public adjuster fees in Florida are capped by law (Fla. Stat. 626.854(11)). Case files are shared with client permission.