About Boca Raton property insurance claims
Boca Raton sits along southern Palm Beach County's Atlantic coastline, with high-rise oceanfront condos along A1A, gated single-family communities west of I-95, and a substantial commercial corridor along Glades Road. Hurricane Wilma in 2005 caused widespread roof damage across the city; Hurricanes Frances and Jeanne in 2004 produced extensive wind-driven rain and tile-roof claims that still inform how Boca claims are handled today. Older homes face matching disputes on discontinued tile and stucco finishes, while high-value waterfront properties along the Intracoastal carry combined wind, surge, and wind-driven-rain exposure that often gets split awkwardly across multiple coverage forms.
Claim types we handle in Boca Raton
Ocean Point Claims represents Boca Raton homeowners and commercial property owners across every major Florida claim type:
- Hurricane and storm damage
- Roof damage from wind, hail, and debris
- Water damage (burst pipes, plumbing leaks, supply-line failures, slab leaks)
- Fire and smoke damage, including code-upgrade coverage
- Mold damage following water intrusion
- Denied, underpaid, or delayed claims
- Supplemental claims on previously settled losses
- HOA and condo association master-policy claims
- Business interruption and commercial property losses
Why Boca Raton insurance claims are often underpaid
The pattern in Boca Raton matches the broader Florida market:
- Scope reduction: carrier inspectors miss or minimize damage that a full Xactimate estimate captures.
- Cause-of-loss disputes: sudden water losses recharacterized as gradual to fit an exclusion.
- Deductible manipulation: hurricane deductibles applied to losses that are not, in fact, from a named storm.
- Delay beyond statutory response deadlines: violates Fla. Stat. 627.70131 but requires documented pressure to correct.
How a Boca Raton public adjuster changes the outcome
- Free claim review: at no cost, we assess whether public-adjuster representation is likely to materially improve your settlement.
- On-site inspection: a licensed Ocean Point adjuster documents the full scope of loss.
- Policy + scope review: every relevant coverage is identified and matched against the damage.
- Xactimate re-estimate: reflecting the actual cost to repair or replace.
- Negotiation: line by line, with statute-grounded demand letters where appropriate.
- Resolution: by negotiation, appraisal, mediation, or Civil Remedy Notice escalation.
Florida statutes that apply to Boca Raton claims
- Fla. Stat. 627.70131: carrier response deadlines (7-day acknowledgment, 30-day inspection, 60-day pay/deny)
- Fla. Stat. 627.70132: 1-year new-claim deadline, 18-month supplemental deadline
- Fla. Stat. 626.9744: matching statute (continuous-area replacement)
- Fla. Stat. 624.155: bad faith and Civil Remedy Notice
- Fla. Stat. 626.854: public adjuster licensing and fee caps
Get help with your Boca Raton claim
Call (888) 824-1306 now for a free claim review, or request a free inspection online. Licensed Florida public adjusters, contingency-fee representation, answered 24/7.
Nearby Florida cities we serve
- Sunrise public adjuster
- West Palm Beach public adjuster
- Pompano Beach public adjuster
- Wellington public adjuster
- Parkland public adjuster
- Hollywood public adjuster