Lantana is a small Palm Beach County coastal town: direct Atlantic exposure, older single-family and small condo stock, and a more intimate claim environment than the larger Palm Beach municipalities. Ocean Point Claims represents Lantana homeowners.
Reviewed by Eli Goins, FL DFS License #P159790 · Last updated
By Eli Goins · FL DFS #P159790 · Reviewed: · 2 min read
Short answer: A Lantana 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. Lantana's older coastal homes and small condos see storm-driven rain intrusion, roof-tile loss, and impact damage to windows and doors, often layered together after one event. Ocean Point Claims (FL DFS #W829547) separates each damage pattern and holds carriers to the deadlines in Fla. Stat. 627.70131.
About Lantana property insurance claims
Lantana's older coastal stock frequently produces claims involving storm-driven rain intrusion, roof-tile damage, and window/door impact damage. We document each storm-specific damage pattern carefully.
Claim types we handle in Lantana
Ocean Point Claims represents Lantana homeowners and commercial property owners across every major 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 Lantana insurance claims are often underpaid
The pattern in Lantana matches the broader Florida market:
1Scope reduction: carrier inspectors miss or minimize damage that a full Xactimate estimate captures.
2Cause-of-loss disputes: sudden water losses recharacterized as gradual to fit an exclusion.
3Deductible manipulation: hurricane deductibles applied to losses that are not, in fact, from a named storm.
4Delay beyond statutory response deadlines: violates Fla. Stat. 627.70131 but requires documented pressure to correct.
How a Lantana public adjuster changes the outcome
1Free claim review: at no cost, we assess whether public-adjuster representation is likely to materially improve your settlement.
2On-site inspection: a licensed Ocean Point adjuster documents the full scope of loss.
3Policy + scope review: every relevant coverage is identified and matched against the damage.
4Xactimate re-estimate: reflecting the actual cost to repair or replace.
5Negotiation: line by line, with statute-grounded demand letters where appropriate.
6Resolution: by negotiation, appraisal, mediation, or Civil Remedy Notice escalation.
Get help with your Lantana 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.
Ocean Point works on contingency: no recovery, no fee. Fla. Stat. 626.854 caps a Florida public adjuster's fee at 20% of the claim payment, and at 10% on claims tied to a declared state of emergency during the first year after the declaration. You also have 10 days to cancel the written contract.
What are the deadlines to file a Lantana claim?+
Under Fla. Stat. 627.70132 you generally have one year from the date of loss to report a new hurricane or windstorm claim and 18 months to file a supplemental. Once filed, Fla. Stat. 627.70131 requires the insurer to pay or deny the claim within 60 days of notice, subject to the statute's conditions.
Rain got into my Lantana home during a storm. Will the carrier cover it?+
It depends on how the water entered. Wind-driven rain that comes in through a storm-created opening, a lifted roof, a broken window, or a failed door, is generally covered, while rising surface water and surge are excluded and pushed to flood coverage. On Lantana's older coastal stock the two often arrive together, so we document the point of entry and the path of the water to protect the covered portion.
Do you have nearby Palm Beach County results?+
From our published case results, a [Boca Raton plumbing claim](/case-studies/sanjay-vinata-boca-raton-plumbing/) in Palm Beach County went from a $3,511 offer to a $24,000 settlement. That is a Boca Raton file, not Lantana-specific, and past results do not guarantee an outcome, but it reflects how a documented scope can move a lowball offer.
What if my Lantana claim was denied or underpaid?+
We build an independent scope, assemble the proof, and negotiate directly with the carrier. Where the insurer stalls or acts in bad faith, Fla. Stat. 624.155 provides remedies and we can pursue a [Civil Remedy Notice](/services/civil-remedy-notice-crn/). See our approach to [denied, lowballed, or underpaid claims](/claim-types/denied-lowballed-underpaid-insurance-claim/).
