Short answer: Start by verifying the DFS license at MyFloridaCFO, confirming both the individual and firm licenses are active. Then check for FAPIA or NAPIA membership, review documented before-and-after case results, read independent reviews on Google, BBB, and Yelp, and confirm a written contingency fee within Florida's statutory caps. Avoid any adjuster whose license you cannot verify.
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!").
Hold Ocean Point to the same standard: our Google, BBB, and Yelp reviews are public, and you can read them on our reviews page.
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