About Fort Lauderdale property insurance claims
Fort Lauderdale is Broward County's seat: dense urban residential stock, extensive waterway frontage, high-rise condo exposure, and direct Atlantic hurricane risk. Waterfront homes face combined wind, surge, and wind-driven-rain exposure where coverage is split across multiple policies; high-rise condo claims routinely turn on master-policy versus HO-6 scope; and older single-family stock in neighborhoods like Victoria Park, Rio Vista, and Coral Ridge faces matching-statute (Fla. Stat. 626.9744) disputes on discontinued tile roofs and period finishes.
Claim types we handle in Fort Lauderdale
Ocean Point Claims represents Fort Lauderdale 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 Fort Lauderdale insurance claims are often underpaid
The pattern in Fort Lauderdale 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 Fort Lauderdale 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 Fort Lauderdale 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 Fort Lauderdale 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
- West Palm Beach public adjuster
- Delray Beach public adjuster
- Lake Worth public adjuster
- Fort Lauderdale public adjuster
- Brickell public adjuster
- Coral Gables public adjuster