Florida public adjusting across every region
Ocean Point Claims is a licensed Florida public adjusting firm that represents policyholders, never insurance companies, on property losses across the entire state. From barrier-island condominiums to inland ranch buildings, we read the same policy your carrier reads and hold them to it. Florida is not one claims market but many, and the dispute that sinks a coastal roof claim is rarely the one that undervalues an inland water loss. We organize our coverage into seven regions, each with its own building stock, storm history, and recurring carrier tactics:
- Treasure Coast, the Atlantic stretch from Indian River through Martin County, where back-to-back named storms left a long record of matching and prior-damage disputes.
- Space Coast, Brevard County's beachside and mainland communities exposed to wind and wind-driven rain.
- South Florida, the dense Miami-Dade, Broward, and Palm Beach corridor of high-rise condos, HOAs, and aging single-family stock.
- Gulf Coast, the southwest and central Gulf shoreline that absorbed direct hurricane landfalls and heavy surge exposure.
- Central Florida, the inland Orlando-area counties where wind and water losses surface far from any coast.
- North Florida, the Jacksonville region and the northern peninsula.
- Panhandle, the northwest Gulf counties with their own concentrated storm record.
Florida's property-claim landscape
The Florida carrier market hardened sharply after 2022. Premiums climbed, deductibles grew, and insurers tightened how they investigate, scope, and pay claims, which means a policyholder filing today faces far more scrutiny than one filing a decade ago. The bulk of Florida property claims still trace to the same causes: hurricane and named-storm wind, wind-driven rain, sudden water losses, and roof damage, often layered on top of one another from prior events. Recent seasons added to that record, with Hurricane Ian in 2022, Idalia in 2023, and Helene and Milton in 2024 each driving fresh waves of wind, water, and roof claims across different parts of the state. In a market this tight, the carrier's first offer is built to protect the carrier, not to make you whole. Independent representation matters because the adjuster who inspects for the insurer answers to the insurer. We answer to you. If your property took damage anywhere in Florida, call (888) 824-1306.
Claim types we handle statewide
Ocean Point handles the full range of residential, commercial, condominium, and HOA property losses across Florida. That includes hurricane and storm damage, roof damage from wind and falling debris, sudden water damage from plumbing and roof failures, fire and smoke losses, and the mold that follows an unaddressed leak. We also represent owners on HOA and condominium association claims, where a single event must be split between the association master policy and individual unit coverage, and on commercial and business-interruption losses when a covered event shuts down operations. We take new claims before you file and denied or underpaid claims a carrier has already touched, plus supplemental and reopened claims when the first payment fell short of the real cost to rebuild.
Why Florida property claims are commonly underpaid
Underpaid Florida claims tend to fail in the same three places. The first is scope reduction: the carrier's estimate writes for a repair when the damage calls for replacement, or omits code-required upgrades the current Florida Building Code demands, and the number lands low. The second is causation, where wind or storm damage is reclassified as wear, age, or poor maintenance so it falls outside coverage, a tactic that hits older roofs hardest. The third is matching. Florida law (Fla. Stat. 626.9744) requires an insurer to account for a reasonably uniform appearance when damaged items are replaced, but on discontinued tile, shingle, and finish lines, carriers still try to authorize a patch that will never blend. None of these are applied in your favor automatically. Each has to be identified and argued, with documentation, before the file is built.
How Ocean Point works a claim
We start with a free, no-obligation review of your damage and your policy. If we take the claim, a licensed Florida public adjuster inspects the property on-site, documents every affected system with photographs and measurements, and reads your full coverage, including the endorsements and exclusions that change what is owed. From there we prepare a line-item estimate in Xactimate, the same platform carriers use, so our numbers are hard to dismiss. We submit and negotiate the claim under Fla. Stat. 627.70131, which sets the deadlines the insurer must meet to acknowledge, investigate, and pay. When a carrier still refuses a fair number, we escalate through policy appraisal, state-supervised mediation, or a Civil Remedy Notice under Fla. Stat. 624.155 when bad-faith conduct warrants it. If new damage surfaces or the payment falls short, the supplemental and reopened window under Fla. Stat. 627.70132 may still let us recover more.
Fees and your rights
Florida public adjusters work on contingency under Fla. Stat. 626.854, so our fee is a percentage of what we recover for you. No recovery, no fee, and no upfront cost to learn where you stand. Florida law also gives you the right to cancel a public adjuster contract within 10 days of signing, so there is no pressure in getting started. Ocean Point Claims holds Florida DFS license #W829547 and represents policyholders statewide. You can see every market we cover on our list of all Florida locations. Whether your loss is from a recent storm or a denial that never sat right, call (888) 824-1306 or reach us through our contact page for a free review.