Short answer: A Hollywood public adjuster represents you, not your insurer, on Broward County property claims, and under Fla. Stat. 626.854 the fee is capped and contingent. Between the beach, the historic Lakes section, and dense condo corridors, a single storm can stack wind, wind-driven rain, and flooding that carriers separate to your disadvantage. Ocean Point Claims (FL DFS #W829547) documents causation and holds carriers to the deadlines in Fla. Stat. 627.70131.
When Wilma and Irma rewrote the Hollywood claim file
Two storms set the pattern for nearly every property claim adjusters still open in Hollywood. Hurricane Wilma in 2005 tore across South Florida late in the season and left Broward with a wave of roof and water losses that exposed how thin many policies really were. Twelve years later, Hurricane Irma in 2017 ran a similar route and produced another surge of claim volume, this time on housing stock that had already aged through one major event. The result is a city where many homes and condos have been hit twice, repaired once, and underpaid somewhere along the way. That history matters, because carriers read prior claims into every new file, and a roof that survived Wilma only to fail under Irma gets treated as wear rather than storm damage unless someone documents the cause correctly.
Why a Hollywood loss is rarely simple
Hollywood stretches from the Atlantic shoreline inland all the way to the Florida Turnpike, and the building stock changes block by block as you move west. The central neighborhoods are full of mid-century single-family homes, many still wearing original flat roofs or barrel-tile that no manufacturer makes in the same profile anymore. Along the Hollywood Beach Broadwalk, oceanfront condo towers sit directly in the salt and wind. Through the middle of the city, dense rental housing carries its own layer of occupancy and tenancy questions. Each type fails differently. A barrel-tile roof loses a section and the matching fight begins; an oceanfront association files and immediately runs into the split between the master policy and each owner's HO-6 coverage. Knowing which scope applies before you submit is half the battle.
Claims we handle across Broward County
Ocean Point Claims works the full range of residential and commercial losses in Hollywood and the surrounding Broward communities: hurricane and wind damage, roof claims, sudden water losses and pipe failures, mold remediation, fire and smoke, and the HOA and condo-association disputes that come with high-rise coastal living. We also represent commercial property owners on building and business-interruption claims, and we take on denied, underpaid, and reopened files where the first number never covered the actual repair. If a claim closed for less than the damage costs to fix, a supplemental claim is often the right move. You can see where else we work on our locations page or read about Florida statewide public adjuster representation.
Where Hollywood settlements fall short
Underpayment in Hollywood usually traces to three moves. First, scope reduction: the carrier's estimate quietly drops line items, repairs one roof slope instead of the whole roof, or skips code-required upgrades. Second, causation disputes, the wear-versus-storm argument that hits older central-neighborhood homes hardest because their roofs already carry age. Third, and most common with tile and flat roofs here, missed matching. Florida Statute 626.9744 requires that repairs produce a reasonably uniform appearance, so when a discontinued barrel tile or an aged flat-roof system cannot be patched to match, the carrier often owes for far more than the damaged section. Condo files add a fourth problem: damage gets bounced between the association's master policy and the unit owner's HO-6 until no one pays.
How Ocean Point builds a Hollywood claim
We start with a free review of your policy and your loss. If it makes sense to proceed, we run an on-site inspection, read the full policy including endorsements and exclusions, and document every damaged system with photos and measurements. From there we prepare a line-item Xactimate estimate that reflects real repair cost, including matching and code items, then submit it to the carrier. Florida Statute 627.70131 sets the timeline the insurer has to acknowledge, investigate, and pay, and we hold them to it. When the carrier stalls or lowballs, we escalate through policy appraisal, mediation, or a Civil Remedy Notice under Florida Statute 624.155 when bad-faith conduct warrants it. If your loss already closed, the supplemental window under Florida Statute 627.70132 may still let us reopen it.
Fees, timing, and talking to a Hollywood public adjuster
Public adjusters in Florida work on contingency under Florida Statute 626.854, which means our fee is a percentage of what we recover for you and nothing if we recover nothing. There is no upfront cost to start, and you keep a 10-day right to cancel after signing. The sooner you call after a loss the better, because evidence disappears and statutory deadlines run, but even an older or denied claim is worth a second look. Call (888) 824-1306 for a free, no-obligation review, or reach us through our contact page. Ocean Point Claims is a licensed Florida public adjusting firm, DFS license #W829547, and we represent you, the policyholder, never the insurance company.