Privacy Policy
Effective date: April 20, 2026 (updated)
Ocean Point Claims Company, LLC (“Ocean Point,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect through oceanpoint.claims, how we use it, how we protect it, and the choices you have.
By using this website or submitting information to us, you agree to the practices described in this policy. If you do not agree, please do not use the website or submit information.
Who we are
Ocean Point Claims Company, LLC is a Florida-licensed public adjusting firm operating under FL DFS License #W829547. Our principal office is located at 11706 SE Federal Hwy, Hobe Sound, FL 33455. We can be reached at (888) 824-1306 or office@oceanpoint.claims.
Information we collect
We collect the following categories of information:
- Contact information you submit through our forms: name, email address, phone number, ZIP code, and any information you choose to include in a message or claim description.
- Claim-related information you voluntarily share: claim stage, claim type, date of loss, carrier name, claim number, carrier offer amount, and descriptions of your loss.
- Technical information automatically collected by our servers: IP address, browser type and version, device type, pages visited, referring URL, and timestamps.
- Cookies and local storage used to maintain session state and, where applicable, to measure site performance. We do not currently serve third-party advertising cookies.
We do not collect Social Security numbers, bank account information, credit card information, or driver’s license numbers through this website. If representation requires that information, it is collected separately through secure, non-web channels with your written consent.
How we use your information
- To respond to inquiries you submit through our website.
- To evaluate whether Ocean Point’s representation is likely to improve the outcome of your claim.
- To contact you about your claim situation, either by phone, email, or text message (you may opt out at any time).
- To maintain records of client communications as required by Florida public adjusting regulations.
- To operate, secure, and improve the website.
- To comply with legal obligations, including Fla. Stat. 626.854 record-keeping requirements for licensed Florida public adjusters.
How we share your information
We do not sell your personal information. We share information only:
- With your consent: e.g., with an attorney, contractor, engineer, or carrier when we represent you in a claim.
- With service providers that help us operate the website and our business (email delivery, CRM, form processing). These providers are contractually obligated to protect your information and use it only for the services they provide us.
- When legally required: e.g., in response to a subpoena, court order, or regulatory inquiry.
- To protect rights and safety: to prevent fraud, enforce our agreements, or protect the rights, property, or safety of Ocean Point, our clients, or others.
Data retention (Florida public adjuster record-keeping)
Ocean Point Claims is a Florida-licensed public adjusting firm (FL DFS #W829547) and is subject to statutory record-retention requirements that override most individual deletion requests. The applicable requirements:
- Fla. Stat. 626.748(“Adjuster’s records”) requires every licensed adjuster to keep records of every transaction. Such records must be maintained for a minimum of three (3) years after the date of the transaction and are subject to examination by the Florida Department of Financial Services.
- Fla. Admin. Code Rule 69B-220.201 (Ethical requirements for public adjusters) requires Ocean Point to maintain complete claim files including the public adjuster contract, all correspondence, estimates, photographs, proof-of-loss documents, carrier communications, and settlement documentation.
- Fla. Stat. 626.854 requires a written contract between a public adjuster and the insured, which must be retained and made available to DFS upon request.
- Florida statute of limitations considerations. Florida’s 5-year contract statute of limitations (Fla. Stat. 95.11) and related statutes covering bad-faith and supplemental claim activity practically require records to be retained longer than the regulatory minimum.
Ocean Point’s retention periods:
- Client claim files (contracts, correspondence, estimates, photographs, settlement documents, damages documentation): retained for a minimum of seven (7) yearsfrom the date of claim closure. This exceeds the 3-year minimum under Fla. Stat. 626.748 and provides coverage through Florida’s 5-year contract statute of limitations and any related bad-faith actions.
- Website inquiry records (contact form and intake submissions that do not result in an engagement): retained for up to three (3) years, then securely deleted.
- Financial records related to client engagements (billing, settlement distribution, trust accounting): retained for the period required by applicable tax and financial-services regulation, typically seven (7) years.
- Marketing / communication preferences: retained until you opt out, then retained as a “do not contact” record indefinitely to honor your opt-out.
Effect on deletion requests. If you request deletion of personal information that is part of a claim file or other record subject to statutory retention, we cannot delete the regulated portions until the applicable retention period has elapsed. We can, however, delete information that is not part of a regulated record (for example, a marketing-list entry that never resulted in a claim file), and we can restrict use of regulated records to the statutory purposes only (no marketing, no further outreach). Any denial of a deletion request will be explained in writing with a citation to the specific statute or rule requiring retention.
Security
We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, or disclosure. No system is perfectly secure, and we cannot guarantee the security of information transmitted over the internet. Please do not send sensitive information (e.g., policy numbers combined with SSNs) through unencrypted channels.
Your rights
You have the right to:
- Access the personal information we hold about you.
- Correct inaccurate information.
- Delete information, subject to our legal and regulatory obligations. Personal information that forms part of a Florida public-adjuster claim file cannot be deleted before the statutory retention period (Fla. Stat. 626.748, Fla. Admin. Code Rule 69B-220.201) has elapsed. See the Data Retention section above for periods and detail.
- Opt out of marketing communications at any time. You may reply STOP to any SMS, click unsubscribe in any email, or email us at office@oceanpoint.claims.
To exercise any of these rights, contact us at office@oceanpoint.claims or (888) 824-1306.
Children’s privacy
This website is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us so we can delete it.
Third-party websites
This website may link to third-party websites (e.g., MyFloridaCFO for license verification, Florida Legislature for statute text, review platforms). This Privacy Policy does not apply to those websites. Review the privacy policies of any third-party site you visit.
Changes to this policy
We may update this Privacy Policy from time to time. Material changes will be indicated by updating the “Effective date” above. Continued use of the website after any change constitutes acceptance of the updated policy.
Contact
Questions about this Privacy Policy or our privacy practices?
Ocean Point Claims Company, LLC
11706 SE Federal Hwy
Hobe Sound, FL 33455
Phone: (888) 824-1306
Email: office@oceanpoint.claims