Step 1: Verify the license
- Go to MyFloridaCFO license search
- Search by individual adjuster name OR firm name
- Confirm status "Active"
- Note the license number
- Individual license and firm license are separate: verify both
Ocean Point's firm license is W829547. Every adjuster on our team is individually licensed: see team page.
Step 2: Check professional associations
- FAPIA: Florida Association of Public Insurance Adjusters
- NAPIA: National Association of Public Insurance Adjusters
Membership isn't mandatory but it signals professional engagement.
Step 3: Review documented case results
Reputable firms publish specific before/after case results, not just general "we recovered millions" statements. Look for:
- Specific dollar figures (original offer vs. final settlement)
- Specific claim types and property types
- Specific anonymized locations
Ocean Point publishes three documented case results on our homepage, with more in our case-results library.
Step 4: Read independent reviews
- Google Business Profile
- BBB
- Yelp
Look for consistency in feedback over time, responses to negative reviews, and specific mentions of the claim process (not just generic "they were great!").
Ocean Point has 85+ Google reviews at a 5.0 rating.
Step 5: Confirm fee structure
- Contingency-based only: no up-front fees
- Within Florida statutory caps under Fla. Stat. 626.854
- Written contract with fee disclosed clearly
- 10-day cancellation right under Fla. Stat. 626.854
Red flags
- Door-to-door solicitation after a catastrophe (prohibited in some contexts)
- "Guarantees" of specific settlement amounts (no one can guarantee a carrier outcome)
- Fees above statutory caps
- Pressure to sign immediately without the 10-day right of cancellation disclosed
- Refusal to provide references or documented results
- Unverifiable DFS license