When PA isn't the right tool
Small, simple claims
- Under $5,000 typically
- Clear coverage
- No scope dispute
- Straightforward resolution
Pure legal matters
- Bad-faith litigation (attorney-led)
- Coverage-declaratory actions
- Class actions
- Complex contract interpretation
Specialized claims requiring specific professionals
- Bodily injury (not property)
- Third-party liability matters
- Life insurance claims
- Health insurance disputes
Claims already well-resolved
- Full payment received
- Scope agreed
- Supplemental not warranted
- Closure desired
When direct policyholder handling works
- Good communication with carrier adjuster
- Adequate documentation capability
- Reasonable scope agreement
- Coverage not disputed
- Time and attention available
When attorney is better
- Bad-faith litigation potential
- Policy declaratory relief
- Class action context
- Complex coverage interpretation
- Commercial disputes requiring legal framing
What Ocean Point says
In our free claim review, we tell prospective clients one of three things:
- "Yes, representation will likely help"
- "Maybe: here's what you can do yourself"
- "No, representation isn't warranted"
The third response is genuine. We don't take claims where we can't add meaningful value.