Orion180 Public Adjuster. FL Claim Help.

Orion180 is a Florida-domestic carrier active in Florida's property insurance market. This profile covers how they handle claims, common issues policyholders report, and what to know when you file.

The exclusion draws the line for you, and most people never read it closely enough to notice. Cosmetic damage exclusions typically define cosmetic as damage that alters appearance without affecting the ability of the roof to perform its function or keep water out. That definition is your test. You do not have to argue about what cosmetic means. You have to prove function.

Seams that no longer seat is a completely different finding, and it is not cosmetic under anyone's definition. The seam is the waterproofing. It is also the structural connection to the clip, which is what resists uplift. A seam that has been opened by impact has lost engagement, and a panel that has lost engagement has lost both watertightness and uplift resistance.

Get the manufacturer in writing on two questions: does a panel deformed like this remain within warranty, and does the assembly still match the tested and approved uplift configuration. A manufacturer's letter saying the warranty is void carries more weight with an umpire than any adjuster's opinion, mine included.

First thing to establish, and it is not a technicality: who actually signed. An assignment of post-loss benefits transfers the policyholder's rights under the policy. A contractor cannot assign your rights. Only you can. If the AOB carries the contractor's signature rather than the homeowner's, that is not an assignment of your benefits, and the whole three-way fight may rest on a document that never did what everyone assumes it did.

Assuming the homeowner did sign, Florida Statute 627.7152 sets requirements for a valid assignment agreement, and they are strict. It must be in writing and executed by and between the assignee and the named insured. It must contain a written itemized per-unit cost estimate of the services. It must include specified consumer notice language. It gives the policyholder a right to rescind within defined windows tied to execution and to whether work has begun. And the assignee must give the insurer notice of the assignment within a set number of business days. An agreement that misses these requirements is invalid.

Now the part the homeowner actually cares about. Their kitchen. Separate the two problems immediately. The mitigation invoice dispute is one file. The reconstruction of the kitchen is another. Do not let a fight over a drying bill hold a rebuild hostage, and do not sign anything else with anyone until the first document is sorted out.

— Eli Goins, Florida licensed public adjuster #P159790. Ocean Point Claims Company (FL DFS #W829547).

Orion180 follows standard Florida claim-handling protocols under Florida Statute 627.70131: 7 calendar days to acknowledge a claim communication, 30 days to conduct any physical inspection after receiving proof-of-loss statements, and 60 days to pay or deny after receiving notice of the claim. Timing and thoroughness vary across carriers.

If your claim with Orion180 is delayed beyond statutory windows, scoped below your actual damage, or denied on marginal grounds, a licensed Florida public adjuster can review and represent you. We operate under FS 626.854 exclusively for policyholders. The Homeowner Claim Bill of Rights outlines what Orion180 owes you.