About Brickell property insurance claims
Brickell condo claims typically turn on association master policy vs. unit-owner HO-6 policy coverage scope. Where does the master policy end and the unit-owner policy begin? The answer is in the association governing documents, not the policy language alone. Ocean Point reviews both documents for every Brickell condo claim we handle.
Claim types we handle in Brickell
Ocean Point Claims represents Brickell homeowners and commercial property owners across every major 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 Brickell insurance claims are often underpaid
The pattern in Brickell 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 Brickell 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.
Get help with your Brickell 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.