By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: According to Fla. Stat. 627.70132, Florida policyholders have 18 months from the date of loss to file a supplemental property claim, and 1 year to file a new or reopened claim. A supplemental claim adds damage, scope, or coverage the initial settlement missed. Ocean Point prepares the gap analysis, a full Xactimate estimate, and the documentation package, then manages carrier response deadlines under Fla. Stat. 627.70131.
Who needs this service
- Homeowners who accepted a low initial settlement and later identified the gap
- Property owners who discovered additional damage during repairs
- Policyholders whose contractor identified scope the carrier's adjuster missed
- Condo associations and HOAs with additional common-element damage
- Business owners with extended BI periods
What we deliver
- Gap analysis. Side-by-side comparison of original settlement to actual full scope.
- Full Xactimate estimate reflecting the supplemental scope.
- Documentation package. Photos, expert opinion, contractor invoices, timeline.
- Submission letter. Citing the statutory basis, the gap, and the requested additional recovery.
- Follow-up management. Tracking carrier response deadlines per Fla. Stat. 627.70131.
Statutory window
18 months from date of loss under Fla. Stat. 627.70132. Miss the window, miss the claim.
Fee structure
Standard Ocean Point contingency fee: no up-front fees, no recovery no fee. Florida's statutory caps under Fla. Stat. 626.854 apply, and the specific fee is disclosed in writing before signing.