About this report.The figures below are drawn from Ocean Point's own Florida claim files. Every statistic is marked [DATA NEEDED]until it is populated from the firm's records, no number on this page is modeled, projected, or estimated. For figures already derivable from published case studies, see Case Results by the Numbers.
1. Offer-to-settlement gap by claim type
The average difference between the carrier's first offer and the final settlement, by claim type. This is the single clearest measure of how much a first offer understates a Florida loss.
- Hurricane:[DATA NEEDED]avg % increase from first offer to final settlement
- Water:[DATA NEEDED]avg % increase from first offer to final settlement
- Roof:[DATA NEEDED]avg % increase from first offer to final settlement
- Fire:[DATA NEEDED]avg % increase from first offer to final settlement
2. Denial-reversal outcomes
How often a claim that the carrier denied or paid at $0 was later settled for a meaningful recovery after representation.
- Denials reversed to a payment:[DATA NEEDED]% of denied claims that settled
- Average recovery on a reversed denial:[DATA NEEDED]$ average
3. Time-to-resolution vs. the statutory clock
Median days from claim notice to final resolution, measured against the carrier deadlines in Fla. Stat. 627.70131 (7-day acknowledgment, 60-day pay-or-deny).
- Median time to resolution:[DATA NEEDED]median days from notice to settlement
- Claims where the 60-day deadline was missed:[DATA NEEDED]% of claims
4. Most-cited denial bases
The reasons carriers most often gave for denying or reducing a claim, ranked by frequency across the file set.
- [DATA NEEDED]most-cited denial basis + % of denials
- [DATA NEEDED]2nd most-cited basis + %
- [DATA NEEDED]3rd most-cited basis + %
Methodology
When populated, each figure will state its sample size and the date range of the underlying claim files. Statistics will be computed from Ocean Point's closed Florida claims only; nothing on this page is modeled or projected. Each stat is written to be self-contained: one sentence, one number, a date range, and a source.
Specific case. Individual results vary. Public adjuster fees in Florida are capped by law (Fla. Stat. 626.854(11)). Claim files are anonymized and aggregated to protect client confidentiality.