By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Yes. Ocean Point represents Florida homeowners, condo owners, and business owners on fire, smoke damage, and post-fire remediation claims. Fire claims are technically complex and often heavily contested on scope, because smoke contamination in areas not visibly burned, HVAC duct contamination, and heat damage to wiring are frequently missed in carrier estimates.
Fire claim issues we handle
- Smoke contamination in areas not visibly burned
- HVAC duct contamination
- Contents smoke damage (salvageable vs. total loss)
- Total loss valuations
- Additional Living Expense during rebuild
- Code-upgrade coverage
Why fire claims need a PA
The scope is non-obvious. Smoke penetration, heat damage to wiring, and residual contamination are often missed in carrier estimates.