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Ocean Point Claims Company
Ocean Point Claims:permit cost inclusion disputes
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Permit Cost Inclusion Disputes

Permit fees are legitimate line items in post-loss rebuild estimates. Some carriers omit or reduce them; the costs are clearly recoverable when documented.

What permits cost in Florida

  • Roofing permit: $100-$500 typical
  • Electrical permit: $50-$200
  • Plumbing permit: $50-$200
  • HVAC permit: $75-$250
  • Structural permit: $200-$2,000+ (value-based)
  • Building permit for major rebuild: 1-3% of construction value

Why permits are required

Scope triggers

  • Roofing replacement typically
  • Electrical, plumbing, HVAC work
  • Structural modifications
  • Window / door replacements (in many jurisdictions)

Florida Building Code

  • Permit required for most post-loss work
  • Inspection required to pass
  • Certificate of Completion issued

Ocean Point Claims:insurance vs contractor pricing gaps

Common disputes

  • "Permit not required" claim (often wrong)
  • "Included in base scope" characterization
  • Reduced permit cost to "typical"
  • Omission of inspection fees

How to claim

Document specific permit requirement

  • Local jurisdiction code
  • Contractor statement on requirement
  • Type of permit (building, electrical, plumbing, etc.)

Actual cost

  • Permit office fee schedule
  • Contractor's actual paid receipt
  • Inspection fees included

Supplement if omitted

  • Submit permit receipt
  • Request specific line addition
  • Cite jurisdiction requirement

Related

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