Property insurance claims in Florida
Florida is part of Florida's South Florida market, where policyholders face hurricane and named-storm exposure, wind-driven rain, roof wind uplift on tile and shingle roofs, and water intrusion through soffits and impact-window seals. Coastal and inland neighborhoods alike see claim activity after every major Atlantic system. Ocean Point Claims represents Florida homeowners and businesses in property insurance claims filed with every major Florida admitted carrier as well as Citizens, surplus-line writers, and commercial markets.
Claim types we handle in Florida
- Hurricane and named-storm damage: wind, wind-driven rain, roof damage, interior water intrusion, loss of use, and business interruption
- Water damage: sudden-discharge plumbing failures, slab leaks, appliance supply-line failures, and storm-driven water intrusion
- Roof damage: wind, hail, impact, and matching-statute claims on tile and shingle roofs
- Fire and smoke damage: structural, contents, and smoke-residue losses
- Mold damage: secondary mold after a covered water loss
- Denied, delayed, underpaid, and reopened claims: reassessment and escalation on any claim the carrier hasn't paid fairly
- Supplemental claims: within the 18-month statutory window under Fla. Stat. 627.70132
- HOA and condo-association claims: master-policy coverage on multi-unit buildings in Miami-Dade, Broward, or Palm Beach County
Why Florida claims are commonly underpaid
Three patterns account for most Florida underpayments:
- Scope reduction. The carrier's field adjuster documents less than the full repair scope. A public-adjuster re-estimate in Xactimate, the same platform the carrier uses, typically captures 20–100% more documented damage.
- Causation disputes. Sudden-and-accidental losses recharacterized as wear-and-tear, gradual seepage, or excluded perils. A specific event timeline, expert opinion, and prior maintenance records counter this.
- Matching and code upgrades missed. Florida's matching statute (Fla. Stat. 626.9744) and law-and-ordinance coverage are frequently overlooked. These often add 15–40% to the recovery on a properly documented roof or water claim.
How Ocean Point handles a Florida claim
- Free claim review. A licensed Florida public adjuster reviews your policy, the carrier correspondence, and the damage documentation you have. No cost, no obligation.
- On-site inspection. We document the full scope of loss with photography, moisture readings, thermal imaging where applicable, and drone or Matterport capture for larger properties.
- Policy review. Every coverage, endorsement, sublimit, and exclusion identified and cross-referenced against the loss.
- Xactimate estimate. Full scope and pricing, matched to current Florida-area labor and material costs.
- Submission and negotiation. We submit the package and negotiate scope and pricing directly with the carrier, tracking Fla. Stat. 627.70131 response deadlines.
- Escalation. When the carrier will not pay fairly: appraisal, DFS-sponsored mediation, or a Civil Remedy Notice under Fla. Stat. 624.155.
Fees and timing
Ocean Point works on contingency: no up-front fees, no recovery no fee. Florida Statute 626.854 caps public adjuster fees, with a reduced cap for claims arising from declared emergencies during the first year after the declaration. The specific fee is disclosed in writing before signing, and you have a 10-day right to cancel.
Typical Florida claim timeline: 45–120 days from retention to settlement on standard claims; longer for appraisal or litigation.
Florida statutes that apply to Florida 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
Talk to a Florida public adjuster
Call (888) 824-1306 or request a free claim review. A licensed Florida public adjuster will evaluate your situation and explain whether representation is likely to improve your outcome. We say so when it isn't.
Nearby Florida cities we serve
- Coral Gables public adjuster
- Cooper City public adjuster
- Wellington public adjuster
- Palm Beach Gardens public adjuster
- Jupiter public adjuster
- Plantation public adjuster