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Ocean Point Claims Company
Ocean Point Claims:strategic under scoping of line items
Insurer Tactic

Strategic Under-Scoping

Rather than denying claims outright, carriers routinely pay, but for less than the full scope. The reductions happen at the line-item level, and they follow patterns.

Common under-scoping targets

Labor

  • Fewer hours on skilled trades
  • Lower mobilization charges
  • Standard vs. overtime rates
  • Missing setup/breakdown time

Materials

  • Lower-grade substitutions
  • Smaller quantities than needed
  • Discontinued-material patches vs. full replacement
  • Missing fasteners, adhesives, transitions

Scope extent

  • Smaller rooms reported as sqft
  • Fewer rooms documented
  • Partial-area repair vs. continuous area
  • Excluded transitions and tie-ins

Supporting items

  • Demolition and disposal
  • Containment and dust protection
  • Temporary facilities
  • Permit fees

How to counter

  • Full-scope Xactimate from a qualified estimator
  • Line-item side-by-side comparison
  • Specific citation of missing items
  • Contractor quotes to support Florida-current pricing

Related

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FL DFS #W829547
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