PUBLIC ADJUSTER IN FLORIDA
Call the experts at Ocean Point Claims to help you through the process.
NO RECOVERY, NO FEE – WE DO NOT
GET PAID UNTIL YOU DO!
Free Consultation, Home & Commercial Damage Inspections
We are excited that Ocean Point Claims Company is growing! We continue to expand into new territories to assist homeowner’s with their insurance claims!
The property damage adjusters at Ocean Point assist homeowners with their insurance claims, securing the maximum settlement possible.
Florida Public Adjusters Near Me Benefits
Our private adjusters work for you, we don’t work for your insurance company!
Our adjusting services will assist you during the insurance claims process. We defend and advocate for your rights with insurance company to secure the maximum settlement possible for you.
Policy holders who hired public adjusters (PA) for non-catastrophe claims received 574% more money than those who did not hire a PA. Policyholders who hired public adjusters for hurricane claims received 747% more money. (Florida Legislature’s Office of Program Policy Analysis & Government Accountability -OPPAGA)
Free Damage & Policy Review
We will meet with you and inspect your damages, explain your options, prepare an estimate and begin working with the insurance company on your behalf to secure the biggest possible settlement.
Licensed Adjusters
The private insurance adjusters at Ocean Point Claims Company are fully licensed, certified and bonded. All of our adjusters have been thoroughly vetted by the strenuous licensing requirements set forth by their respective state insurance departments. These requirements include background checks, finger printing and checked against the FBI database.
Focused on YOU, Always!
We are a public adjusting firm that gives you the time and dedication you deserve! When you’ve had a loss in your home or business the last question you need to worry about is – where is my adjuster? With Ocean Point the answer is, working for you!
Around the Clock Service / Response
You’ll receive only the highest level of service from our team of experts. Call us at any time with questions! Remember, it’s all about you!
Residential and Commercial Claim Types
Fire / Smoke Damage
Whether your fire damage claim is small, or it is a large loss fire claim you should be aware that there are often hidden damages such as water damage causing mold, soot on all surfaces as well as in the HVAC ducts affecting air quality causing dangerous air quality. Mold can lead to long-term issues. There are many things to consider when a fire occurs. These items include: building code(s), matching statute(s). With nearly all fires Ordinance or Law coverage is overlooked. “O&L” coverage allows for code upgrades after a covered loss.
Water / Flood Damage
Water damage is often caused by a pipe or pluming leak or burst, water heater leak, air conditioner condensation leak, supply line burst, toilet overflow, roof leak, window leak. The presence of water causing drywall damage can promote rapid fungi growth. Seeking assistance with your water damage insurance claim is vital to the insurance claim process so that you comply with all policy provisions and avoid a denial of your claim. Ocean Point is a one top shop, we can point you in the right direction for water mitigation services to for water cleanup.
Storm Damage
Storms often happen by surprise and can cause major damage, even substantial unseen damage. Whether you have a hurricane insurance claim, hail damage, wind damage, found missing shingles on the ground around your home or you see water spots on the ceiling or wall we can help! Did you know that the independent public insurance adjusters here at Ocean Point have had stellar success at showing the insurance carriers why they should apply entire roof replacement coverage to the dwelling or business structure of our clients.
Mold Damage
Mold can be scary! If mold isn’t taken care of quickly it can cause major health problems as well as possibly lead to insurance claim problems. Mold can result from a leaky pipe or even a roof leak where visible water stains are present. Often times the mold is hidden within the walls. Ocean Point works with many mold remediation companies that do not charge our clients for their water mitigation services. Mold claims are complicated, we will thoroughly document your damages ensuring the maximum settlement that you are entitled to.
Vandalism Damage
Theft and Vandalism damage occurs often when we least expect it. This type of damage can include break-in damage, broken door damage, broken window / glass damage, home invasion damage and tenant damage. We will assign a private insurance adjuster to assist you in preparing an accurate list of damages for your police report as well as your theft or vandalism insurance claim.
Loss of Use
Additional living expense or “ALE” insurance claims can be confusing. When you have been displaced many times your homeowner’s insurance policy entitles you to receive repayment for your incurred expenses during this time. This includes hotel stays, temporary housing, eating out, among many other expenses you may not consider. This coverage applies for rental properties as well. When your tenant is displaced and isn’t able to pay rent often times you are entitled to the Fair Rental Value or “FRV”.
Commercial / Business Interruption
When your business suffers a loss Business Interruption (“BI”) claims should not be overlooked as they play an important role in funding the recovery of lost income during your downtime. A simple breakdown of a Business Interruption Claim is: Net Income + Continuing Expenses + Extra / Additional Expenses = Business Interruption Loss Claim. It is crucial that all elements are reviewed during the interruption of business. Some of these elements include: Commercial utility costs, employee payroll, business taxes, as well as additional advertising.
Personal Property “UPP”
Your personal belongings can be damaged after a loss in your home, condo or business. When you file a contents claim it is highly recommended to prepare a “Personal Property Inventory Form or “PPIF” filled with details surrounding the damaged items. This can be a complex and overwhelming process as taking a comprehensive and thorough inventory takes a lot of time and research. A insurance desk adjuster as well as a independent field adjuster will use terms such as recoverable “RCV” and non-recoverable “ACV” depreciation the claims process, this can be confusing. We will assist you in navigating through the claim process whether you have an HO3, HO6
Our Service Areas
Ocean Point Claims Company currently offers services in all of Florida. We are a fast-growing Public Adjusting and Claims Service Company!
Public Adjuster Near Me
Why Hire a Public Adjuster
NO RECOVERY, NO FEE – WE DO NOTGET PAID UNTIL YOU DO!
Free Consultation, Home & Commercial Damage Inspections
A Public Adjuster, also known as a private adjuster, is a licensed professional hired by the policyholder.
Policy holders who hired public adjusters (PA) for non-catastrophe claims received 574% more money than those who did not hire a PA. Policyholders who hired public adjusters for hurricane claims received 747% more money. (Florida Legislature’s Office of Program Policy Analysis & Government Accountability -OPPAGA)
Why Should I Hire A Public Or Private Adjuster?
You are responsible for providing the facts to the insurance company and proving to them why they should pay. A licensed public insurance adjuster is the only individual licensed vetted by the state to represent you, the insured, other than an attorney. A handy man, roofer, general contractor, electrician for example, are not licensed to handle claims. It is against the law and most states consider this a felony.
Ocean Point only employs licensed public adjusters that are experienced and knowledgeable, ensuring that your settlement is maximized. Our focus is always on you, our client. Our main responsibility is to represent you and present your claim to the insurance company.
Obtain What Is Rightfully Owed To You
The average person, who is not experience in the insurance industry does not have the expertise to fully understand and interpret the language in their insurance policy, nor do they understand the complex procedures and timelines that must be met to comply with the policy provisions. The insurance company’s adjusters are trained to represent the insurance company’s interests. You have the option to protect your own interests by retaining a public adjuster, whose responsibility is to serve the you.
Public Adjuster Fees
We do not get paid unless you do. Our fee is based upon a percentage of the insurance company’s settlement to you. We do not charge upfront fees for our services and if you do not get paid, we don’t get paid. The more we get you, the more we are paid, simple. It’s in our interest to protect yours.
The Role Of A Licensed Public Adjuster
A Public Adjuster, also known as a private adjuster, is a licensed individual hired by the policyholder, that’s you! Public Insurance Adjusters represent you and you alone. They advocate for your interests while maximizing your insurance settlement. Public Adjusters are licensed professionals in the financial sector and licensed by their respective states insurance department. The primary role of a Public Adjustor is to, inspect the damages, prepare a detailed estimate as well as sentiment strategy, negotiate with your insurance company and secure the funds to repair damages. This includes residential properties and commercial establishments alike.
Understanding Different Types Of Insurance Adjusters
- Independent Insurance Adjuster (IA) – This type is usually 1099/independent contractors that work for Independent Adjusting firms. These firms farm out the claims to adjusters on their roster that don’t actually work for your insurance company. You can become an IA in as little as three days. If you’re thinking that this seems a bit disconnected from your interests, we feel the same. While they are representing your insurance carrier, they are really representing their firm and their firm reports to their client, your insurance company. They are often encouraged to keep the cost of claims minimal. They do this by following estimating guidelines set forth by the insurance company. These guidelines are often not logical or realistic. For example, their guidelines may tell them to not allow coverage for a floor covering past a doorway, even when that floor covering is continuous through the doorway and into another room. This is another reason that you need to hire Ocean Point, our adjusters know the state statues and hold your insurance company to them no matter what their estimating guidelines state. The adjusters at Ocean Point have worked for the insurance companies for years, we know their language.
- Company or Staff Adjuster – This type of adjuster is employed by the insurance company as staff. Often staff adjusters are required to follow internal guidelines to protect the insurance company’s interests. They do not work for you.
- Desk Adjuster – This type of adjuster works the admin/coverage side of a claim after it has been turned in by a field adjuster. A desk adjuster often works inside of the insurance company, some work from home. Some desk adjusters are staff adjusters while others are independent adjusters.
- Field Adjuster – This type of adjuster works the field portion of the claim. They are the adjuster that visits your home or business in person. They often report to a desk adjuster. Field adjusters can be staff adjusters while some are independent adjusters working from home.
Our Process
CONTACT OCEAN POINT:
Tell us about your damage or claim! You can discuss your insurance claim and coverage with a licensed public adjuster. This is when we go to work for you!
We are available 24/7!
IN-PERSON MEETING:
Your Public Adjuster will meet with you on location, conduct an inspection of your damages, document, photograph the damages and finally review any supporting documents you may have for your case.
We can’t wait to meet you!
DAMAGE EVALUATION:
Your damages will be estimated with the most sophisticated estimating software available, Xactimate®. A personalized coverage strategy plan will be set into motion on your behalf.
Leaving no stone unturned!
PERSONALIZED STRATEGY PLAN:
This is when your claim heads to the “Ocean Point Think Tank”. A plan based on the specific facts of loss is formulated for you. The seasoned experts Ocean Point review every angle possible to maximize your settlement.
Putting the experts to work!
DISCUSSION & NEGOTIATIONS:
We will regularly communicate with your insurance company to continually move your claim to settlement. Negotiating is what we do best!
Keeping you informed along the way!
SETTLEMENT:
Receive your insurance settlement funds, allowing you to repair the damages and put the worry behind you so that you can get back to normalcy.
Enjoy life!
FAQ
General Questions:
Public Adjuster – Hired by the policyholder to represent their interests. Public adjusters are licensed by their state’s insurance department. A Public Adjuster’s main responsibility is to secure the insurance settlement that the homeowner or business owners is entitled to.
Company, Staff, Desk & Field Adjuster – They work directly for the insurance company. A company adjuster’s main responsibility is to protect the insurance company’s pocketbook, not yours.
When you have an insurance claim, it is your responsibility to prove your loss to your insurance company. Other than an attorney, a licensed Public / Private Insurance Adjuster is the only expert licensed by the state to represent you. Public Adjusters do the work regarding your claim. Here at Ocean Point Claims Company, we have the experience, knowledge and expertise to obtain the maximum settlement under your policy. Our team of highly trained and experienced professionals understand insurance policies, endorsements, forms, important timelines, as well as your rights as the insured. Our focus is you; our job is to represent you to the insurance company.
The typical insurance policy contains numerous provisions and stipulations, as well as various forms endorsements and timelines that are constantly change. Endorsements are documents added to your policy to either exclude or supplement certain policy coverage which was not included when you bought the policy. It’s important to familiarize yourself with these forms. However, unless you work in the insurance industry on a regular basis, these documents can be difficult to understand. Most people just don’t have the expertise to properly understand and interpret the technical language contained in their policy. They also don’t typically understand the complicated procedures that must be followed to comply with the policy’s provisions. The insurance company’s adjusters are trained professionals who represent the insurance company’s interest. You can protect yourself by hiring a Public Adjuster whose sole responsibility is to serve you. When you file a claim with your insurance carrier, there are certain policy conditions that must be met and failure to do so can reduce your settlement or even cause your claim to be denied.
The insurance company has adjuster’s representing their best interests, so should you.
Yes. Public adjusters are required to be tested, finger printed, background checked, licensed, bonded and authorized to practice in their respective states by the local state insurance departments.
Public Adjusters don’t get paid unless you do. The fee is based upon a percentage of the insurance company’s settlement (after the deductible). There are no upfront fees for public adjusting services.
No. Ocean Point can help anyone who needs Public Adjusting services. There is no such thing as a claim that’s too big or too small. Simply give us a call, and we will review your claim with you and explain exactly how we can help. We love the $1,000 claims as much as the $1,000.000 claims. It’s all about our client and their loss!
Claims Process Questions:
Yes. Many of the people we’ve helped the most had their claim denied by their insurance company. We can reopen underpaid, lowballed, denied and ignored claims. We will negotiate with the insurance company to obtain payment for the covered damage. Contact us today, we will explain how we can reopen your insurance claim.
Probably not! Public Adjusters are able to reopen closed claims after they have been closed, without release. However, statute of limitations in your local state may limit the time you have to reopen your claim. If you believe you were underpaid and would like us to give you a second opinion, please call us. We will carefully review your claim and present all of your options. If you feel a previous claim was underpaid, we’ll help you re-open it and work to secure a fair, generally larger, settlement. Give us a call so that we can discuss your options!
After you contact us and things are moving forward, we will, conduct an inspection of the damages then create a detailed estimate/inventory of damages. We will then form a strategy plan before your claim documentation is submitted to the carrier. We stay in communication with your insurance company throughout the life of your claim. Once coverage is determined by your carrier, we will begin the negotiation process and settle. Next? Your check of course! Call us today for more details. We can’t wait to hear from you!
The short answer to this question is, “no”. States such as The State of Florida have strict rules that insurance carriers must follow before they can cancel your coverage. An Insurance Company may not cancel your policy simply because you filed a property damage claim. If your policy is older than 90 days, and you have made timely payments, your policy can only be cancelled for very specific reasons. However, it is possible that insurance companies may non-renew a policyholder for various reasons. A general reason is filing too many claims in a certain period of time.
This time limit varies from state to state; however, in Florida for example, the time limit is 5 years from the occurrence.
Settlement Questions:
The short answer is, yes, dramatically! Statistics show that you will receive a higher settlement from the insurance company by hiring a Public Adjuster versus filing yourself.
A study conducted in 2010 by OPAGGA (Office of Program and Policy Analysis & Government Accountability) found that property owners in Florida received insurance claim settlements that were 747% larger in catastrophe losses and 574% larger for “non-catastrophe” losses when they hired a public adjuster, as opposed to not hiring a PA.
The answer to this question varies as every claim is different, every insurance company/independent adjuster is different. They all have different workloads as well. Rest assured, at Ocean Point Claims Company we continuously push the insurance company towards claims resolution. In certain states, Florida for example have state mandated time limits to pay or deny claims. Florida’s time limit is 90 days; however, if there is a dispute such as an underpayment or denial and litigation is necessary – the claim may take longer. Don’t worry we are with you the entire time, however long it takes!
No. Many of the people we’ve helped the most had their claim underpaid by their insurance company. We can reopen underpaid, lowballed, denied and ignored claims. We will negotiate with the insurance company to obtain payment for the covered damage. Contact us today, we will explain how we can reopen your insurance claim.
