About Martin County property insurance claims
Martin County is a significant Florida insurance market: claim frequency, carrier concentration, and storm exposure vary materially across our coverage area. Ocean Point Claims represents Martin County policyholders from intake through settlement.
Martin County sits on the Atlantic coast in the Treasure Coast region. Matthew (2016), Irma (2017), Dorian (2019), and Nicole (2022) have all produced material claim volumes. The St. Lucie River runs through Stuart; the Jupiter Island barrier has the county's most acute coastal exposure.
Cities we serve in Martin County
- Stuart
- Palm City
- Hobe Sound
- Jensen Beach
- Tequesta (shared)
- Jupiter Island
- Indiantown
Every city page linked above carries the same licensed-adjuster representation, the same Florida DFS license, and the same contingency-fee structure.
Martin County carrier landscape
Citizens, Universal, UPCIC, and Tower Hill are the most active Martin County writers. Claim patterns in Stuart and Palm City tend to involve wind-driven rain and roof claims; Jupiter Island and Hobe Sound coastal properties see storm surge and higher-value losses.
Why Martin County property claims are often underpaid
Claim underpayment in Martin County typically traces to three factors:
- Scope reduction. The carrier's field adjuster or third-party inspector documents less damage than a full Xactimate estimate supports.
- Coverage-disputation tactics. Sudden-and-accidental losses recharacterized as gradual, wear-and-tear, or excluded-peril.
- Delay as leverage. Statutory response deadlines (Fla. Stat. 627.70131) breached in a way that pressures you to accept partial payment to close the claim.
Each of these is beatable with proper documentation, a full re-estimate, statute-grounded demand letters, and escalation through appraisal, mediation, or Civil Remedy Notice when the carrier will not pay fairly.
How Ocean Point handles Martin County claims
- Free claim review. A licensed Florida public adjuster reviews your policy, the denial or settlement letter, and the damage documentation at no cost.
- On-site inspection. We inspect the property, document the full scope of loss, and photograph / measure per Xactimate standards.
- Policy review. Every coverage, endorsement, and exclusion is identified and cross-referenced against the documented scope.
- Submission and negotiation. We submit the claim package and negotiate on scope and pricing, line item by line item.
- Resolution. Settled directly where possible; escalated to appraisal, mediation, or CRN when the carrier refuses to pay fairly.
Talk to a Martin County public adjuster
Call (888) 824-1306 or get a free claim review now. Licensed Florida public adjusters, 21+ years of experience, 500+ mediations. No recovery, no fee.