Counties and cities in the South Florida region
South Florida runs from the Keys' edge up through the urbanized Atlantic corridor, three counties that together hold the largest concentration of insured property value in Florida. The building stock is overwhelmingly multifamily, condominium, and tightly packed suburban housing, which changes how claims are scoped, allocated, and disputed. Ocean Point Claims works residential, condo, HOA, and commercial losses across all three counties.
- Miami-Dade County: Miami, Homestead
- Broward County: Fort Lauderdale, Hollywood, Pompano Beach, Coral Springs
- Palm Beach County: West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, Jupiter, Palm Beach Gardens, and Lake Worth. See the Palm Beach County hub for the full county roster.
South Florida peril profile
The region's risk profile is defined by density and elevation. Block after block of mid-rise and high-rise condominiums, gated HOA communities, and high-value waterfront homes sit directly in the path of landfalling and passing Atlantic systems. Hurricane Andrew (1992) flattened large parts of southern Miami-Dade and reset Florida building code; Hurricane Wilma (2005) drove widespread wind and rain damage across Broward and Palm Beach; Hurricane Irma (2017) pushed surge, wind, and prolonged power loss through the entire corridor. Each event left supplemental and reopened exposure that surfaces years later as concealed water intrusion and structural movement.
Layered on top of geography is a carrier market that has tightened sharply. Coverage has narrowed, deductibles on wind have climbed, and roof and water sublimits are common. The defining South Florida dispute is structural: master-policy versus unit-owner coverage. When a loss crosses the line between a condo association's master policy and an individual unit owner's HO-6, carriers routinely push damage to the other side of that line, and policyholders get caught between two adjusters who each say the other policy owes. If your South Florida property has been damaged, call (888) 824-1306.
Claim types we handle across South Florida
South Florida's multifamily and coastal makeup means the heaviest claim volume sits in association and high-value work, but Ocean Point handles the full range:
- HOA and condo association claims, including master-policy roof, building envelope, common-area, and large-loss allocation between the association and unit owners
- Hurricane and storm damage on high-value coastal homes, towers, and townhome communities
- Roof damage on tile, flat, and built-up commercial roofs common to the region's housing stock
- Water damage from wind-driven rain, pipe and plumbing failures in older mid-rises, and concealed intrusion behind stucco and impact glazing
- Fire and smoke losses in multifamily buildings
- Mold claims following unrepaired or slow-paid water losses
- Denied, delayed, and underpaid claims of every type
Why South Florida claims are commonly underpaid
Three patterns drive underpayment in this market. First, scope reduction: carrier estimates omit code-required work, interior finishes, and access costs that high-rise and coastal repairs genuinely require. On a tower or large association, the cost of staging, hoisting, and safely accessing upper floors is real, and a desk estimate that skips it understates the loss before the inspection even begins. Second, causation: in a region where wind, wind-driven rain, surge, and plumbing failure can all touch the same building, carriers assign loss to the cheapest or most-excluded cause and ignore the covered peril that actually triggered the damage. Third, matching: when a tile roof, a discontinued stucco finish, or an obsolete window system cannot be repaired to a uniform appearance, carriers pay only the damaged section. Florida law addresses this directly. Under Fla. Stat. 626.9744, the carrier must account for matching of undamaged adjoining areas where line-of-sight uniformity is at stake, a provision that carries real weight on condo facades and large roof fields.
How Ocean Point works a South Florida claim
Ocean Point begins with a free review of your policy and loss. We then conduct an on-site inspection of the building or unit, document the damage in detail, and build a defensible repair estimate in Xactimate, the same platform carriers use. We hold the insurer to its statutory clock under Fla. Stat. 627.70131, which governs the carrier's deadlines to acknowledge, investigate, and pay. When the carrier's position and the documented loss do not align, we pursue the appropriate path: appraisal, mediation, or a Civil Remedy Notice under Fla. Stat. 624.155 where the conduct warrants it. For losses where new damage is discovered or the original payment falls short, we file supplemental and reopened claims under Fla. Stat. 627.70132, within the statutory window that follows the date of loss. Throughout, we manage the documentation, correspondence, and negotiation directly with the carrier so the association board, property manager, or homeowner is not left arguing scope line by line with an adjuster who answers to the insurer.
Fees and your rights
Ocean Point Claims works on contingency under Fla. Stat. 626.854. There is no upfront cost; our fee is a percentage of the recovery, and if there is no recovery there is no fee. Florida law gives you a right to cancel a public adjuster contract within 10 days of signing, with additional cancellation protections on declared-emergency claims. Ocean Point is a licensed Florida public adjuster, FL DFS #W829547, and we represent policyholders only, never insurance companies. To put a licensed South Florida public adjuster on your claim, call (888) 824-1306 or use our contact page.