About Sewall's Point property insurance claims
Sewall's Point claims typically involve higher-value properties where ACV/RCV depreciation disputes, coinsurance concerns, and sophisticated policy forms (including excess and surplus) require specialized handling. Roof-schedule and wind-mitigation endorsements receive particular attention here.
Claim types we handle in Sewall's Point
Ocean Point Claims represents Sewall's Point homeowners and commercial property owners across every major Florida claim type:
- Hurricane and storm damage
- Roof damage from wind, hail, and debris
- Water damage (pipe bursts, plumbing leaks, supply-line failures)
- Fire and smoke, 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 Sewall's Point insurance claims are often underpaid
The pattern in Sewall's Point matches the broader Florida Treasure Coast market:
- Scope reduction: carrier inspectors miss or minimize damage that a full Xactimate estimate captures.
- Cause-of-loss disputes: sudden losses recharacterized as gradual to fit an exclusion.
- Hurricane deductible misapplication: applied to losses not caused by a named storm.
- Delay beyond Fla. Stat. 627.70131 deadlines: requires documented pressure to correct.
- Matching-statute avoidance: carrier paying slope-only where Fla. Stat. 626.9744 supports full replacement.
How a Sewall's Point public adjuster changes the outcome
- Free claim review: at no cost, we assess whether representation improves your settlement.
- On-site inspection: a licensed Ocean Point adjuster documents the full scope of loss.
- Policy review: every coverage identified and matched against the damage.
- Xactimate re-estimate: reflecting the actual cost to repair or replace at current Florida pricing.
- Negotiation: line by line, with statute-grounded demand letters.
- Resolution: by negotiation, appraisal, mediation, or Civil Remedy Notice escalation.
Statutes that matter on Sewall's Point claims
- Fla. Stat. 627.70131: claim-handling timelines
- Fla. Stat. 627.70132: notice deadlines (1 year / 18 months)
- Fla. Stat. 626.854: public adjuster contract requirements
- Fla. Stat. 626.9744: matching on personal-lines residential claims
- Fla. Stat. 624.155: Civil Remedy Notice / bad faith
Get help with your Sewall's Point 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.