When should I hire a public adjuster in Florida?

The best time to hire a Florida public adjuster is before the carrier's first inspection: early documentation shapes the entire claim. But PAs can also be engaged after denial, after a lowball offer, for reopened or supplemental claims, or at appraisal. The Florida statutory deadline is 1 year for new/reopened claims and 18 months for supplemental claims.

Best: before the carrier's first inspection

Early documentation matters more than anything else in claim scope. A PA present at the initial inspection:

Documents damage the carrier adjuster might miss
Ensures scope conversations happen in Xactimate language
Sets expectations about timeline under Fla. Stat. 627.70131
Prevents premature acceptance of a low settlement

Good: after a denial or low offer

If the carrier has denied or underpaid, a PA can:

Reopen the claim with fresh documentation
Re-estimate in Xactimate to capture missing scope
Escalate through appraisal, mediation, or Civil Remedy Notice

Ocean Point Claims:what if my claim is partially paid

Good: when the claim stalls

Missed statutory response deadlines are actionable. A PA can document the violations and escalate to DFS or counsel.

Time-limited: reopened and supplemental claims

Under Fla. Stat. 627.70132:

New or reopened claim: within 1 year of the date of loss
Supplemental claim: within 18 months of the date of loss

If your loss is approaching either deadline, act now.

Ocean Point Claims:can i reopen a closed claim

Always: free claim review

Before committing to representation, Ocean Point provides a free claim review. Zero cost, zero commitment.