Short answer: A Jupiter public adjuster represents you, not your insurer, on Palm Beach County property claims, and under Fla. Stat. 626.854 the fee is capped and contingent. Hurricanes Frances and Jeanne struck near the Jupiter Inlet weeks apart in 2004, and that stacked-storm history plus discontinued tile and screen-cage profiles make matching the central dispute. Ocean Point Claims (FL DFS #W829547) documents damage to the correct date of loss and holds carriers to the deadlines in Fla. Stat. 627.70131.
When Frances and Jeanne rewrote the Jupiter claim map
In September 2004, Hurricane Frances and Hurricane Jeanne came ashore almost on top of the Jupiter Inlet within three weeks of each other. Two major landfalls in the same corner of northern Palm Beach County, back to back, produced some of the heaviest claim concentrations Florida saw that decade. The damage was bad enough on its own; the sequencing made it worse. Field adjusters struggled to separate what Frances tore loose from what Jeanne finished off, and that causation gap still shapes how carriers approach Jupiter losses today. Two decades later the lesson holds: when storms stack, the burden of proving which event caused which loss lands squarely on the policyholder, and a clean, well-documented claim is the only thing that survives scrutiny.
Tile roofs, pool cages, and waterfront policies that complicate everything
Jupiter's building stock is not uniform, and that is exactly why losses here get tangled. The town runs from Atlantic oceanfront and the Loxahatchee River inland through large single-family neighborhoods and gated communities. Tile-roof claims and pool-enclosure (screen cage) claims dominate the residential work, and both are matching nightmares: discontinued tile profiles, batches that no longer exist, and aluminum cage framing that insurers want to patch rather than replace as a system. Along the Intracoastal and the Loxahatchee, high-value waterfront homes carry layered coverage forms, separate wind, flood, and excess layers that have to be read together or money gets left on the table. In condo and HOA settings, the line between the association master policy and unit-owner coverage decides who pays for what, and that line is where claims stall.
Claim types we handle across Palm Beach County
We represent policyholders, never carriers, on the full range of property losses: hurricane and windstorm, roof, water and plumbing, mold, fire and smoke, HOA and condo association disputes, and commercial property with business interruption. We also take on denied, underpaid, and reopened files, plus supplemental claims where the first payment never covered the actual scope. Jupiter sits inside our broader Palm Beach County coverage, and we work losses across the state as a Florida statewide public adjuster; the full service map lives on our locations page.
Why Jupiter settlements come up short
Underpayment here usually follows a pattern. Scope reduction comes first: the carrier's estimate quietly drops line items, underlayment, flashing, cage hardware, code-required upgrades, that a full repair actually needs. Causation disputes come next, especially on older roofs where the insurer blames wear or prior storms instead of the named event. Then there is matching. Under Fla. Stat. 626.9744, when damaged tile or cage material cannot be matched to the undamaged material around it, the comparable items should be replaced so the finished result is uniform. With Jupiter's discontinued tile profiles and aged screen systems, matching is the single most contested and most valuable issue, and it is routinely ignored in the first offer.
How Ocean Point builds and pushes a Jupiter claim
It starts with a free review of your policy and your loss. If we take the file, we inspect the property on site, photograph and document everything, and read the entire policy, every coverage, endorsement, and exclusion, including those layered waterfront forms. We prepare a detailed Xactimate estimate that reflects full scope, then submit and negotiate it directly with the carrier under the timelines in Fla. Stat. 627.70131. When an insurer digs in, we escalate: appraisal, mediation, or a Civil Remedy Notice under Fla. Stat. 624.155 when the conduct warrants it. If new damage surfaces after settlement, the supplemental window under Fla. Stat. 627.70132 may let us reopen the file and pursue the rest.
Fees, timing, and talking to a Jupiter public adjuster
We work on contingency under Fla. Stat. 626.854, a percentage of what we actually recover, with no recovery, no fee. Florida law also gives you a 10-day right to cancel a public adjuster contract after signing, no strings attached. There is no charge to have us look at your claim, whether it is brand new, already denied, or paid for far less than it should have been. Ocean Point Claims holds Florida DFS license #W829547. Call (888) 824-1306 for a free, no-obligation review, or reach us through our contact page. The sooner we see the policy and the damage, the stronger the claim we can build for you.