About Palm Beach County property insurance claims

Palm Beach County is a significant Florida insurance market: claim frequency, carrier concentration, and storm exposure vary materially across our coverage area. Ocean Point Claims represents Palm Beach County policyholders from intake through settlement.

Palm Beach County is directly exposed to Atlantic hurricane tracks. Irma, Matthew (2016), and Nicole (2022) all produced substantial claim volumes. Oceanfront and Intracoastal-adjacent properties carry higher wind and storm-surge exposure.

Cities we serve in Palm Beach County

Every city page linked above carries the same licensed-adjuster representation, the same Florida DFS license, and the same contingency-fee structure.

Palm Beach County carrier landscape

Palm Beach is a mature insurance market with significant activity from Citizens, Universal, USAA, State Farm Florida, and Chubb (for high-value homes). HVHZ code requirements extend to portions of southeast Palm Beach.

Why Palm Beach County property claims are often underpaid

Claim underpayment in Palm Beach 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 Palm Beach 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 Palm Beach 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.

Palm Beach County Public Adjuster