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.
Prior results do not guarantee a similar outcome. Claim files are anonymized and aggregated to protect client confidentiality.