Short answer: Florida public adjuster fees are capped by statute under Fla. Stat. 626.854, with a reduced cap for declared-emergency claims and a standard cap otherwise. Your exact fee is disclosed in writing before you sign. Most adjusters, including Ocean Point, work on contingency: no recovery, no fee. Third-party costs are separate.
The statutory caps
- Declared-emergency claims (hurricane, etc.): a reduced statutory cap applies for amounts paid within 1 year of the declaration.
- Non-emergency claims: the standard statutory cap applies to the total claim recovery.
- Reopened / supplemental claims: the standard cap typically applies to amounts recovered above the prior payment.
The exact fee for your claim is disclosed in writing before you sign, and always sits within the cap set by Fla. Stat. 626.854.
What "no recovery, no fee" means
Most Florida PAs (including Ocean Point) work on contingency: we are paid only from recovery, not from the insured's pocket. If we recover nothing, we charge nothing.
What's not a fee
Third-party costs (independent hygienist, engineer, contractor) are separate professional expenses. Your PA contract should disclose any that will be passed through.