Skip to main content
Public AdjusterNear Me
Case study graphic showing settlement increase
Case Study

Orlando water damage: supplemental claim for hidden damage.

Initial offer
$12,000
Final settlement
$58,000
Increase over initial
+383%

Example figures drawn from common Florida claim patterns. Not a specific claim or client, and not actual settlement amounts. Disclosures.

Initial scope missed behind-wall water damage. Supplemental claim under FS 627.70132 recovered full scope.

1 min read · Reviewed April 2026

Initial scope missed behind-wall water damage. Supplemental claim under FS 627.70132 recovered full scope.

$12,000
Initial offer
$58,000
Final settlement
+383%
Increase
Over initial offer

The initial claim

What went wrong

Initial adjuster scope missed water migration into wall cavities and subfloor. Damage surfaced after drywall removal.

Orlando water damage: $12,000 initial to $58,000 supplemental after hidden damage. body image 1

Free claim review

Get a free claim review from a licensed Florida public adjuster.

We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.

  • Licensed Florida public adjusters
  • We work for policyholders, not insurance companies
  • No fee unless we recover more than you were offered
Step 1 of 3· Damage33%

What kind of damage?

Pick the closest match. We will ask for details next.

The intervention

What we did

Moisture meter documentation. Supplemental claim with contractor invoice and photographs. Timely filing within supplemental window.

Key takeaways

Lessons for policyholders

Supplemental claims for discovered damage are legitimate and timely. Initial scope is rarely final.

Orlando water damage: $12,000 initial to $58,000 supplemental after hidden damage. body image 2

Free claim review

Still building your claim? We can help right now.

A licensed Florida public adjuster will review your policy and loss documentation for free.

  • Licensed Florida public adjusters
  • We work for policyholders, not insurance companies
  • No fee unless we recover more than you were offered
Step 1 of 3· Damage33%

What kind of damage?

Pick the closest match. We will ask for details next.

No obligation. No fee unless recovery.

Claim looking similar? Free review.

Licensed Florida public adjuster. No fee unless we recover more.

More examples

Go deeper

Reviewed: April 24, 2026

Free claim review

Your policy says more than you think. Find out what you are actually owed.

Licensed Florida public adjusters. Free claim review. No recovery, no fee.

  • Licensed Florida public adjusters
  • We work for policyholders, not insurance companies
  • No fee unless we recover more than you were offered
Step 1 of 3· Damage33%

What kind of damage?

Pick the closest match. We will ask for details next.

Florida claim updates

One email a month. No fluff.

Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.

Why PANM

We work for policyholders, not insurance companies.

Public adjusters are licensed by the state of Florida (DFS) to represent you, the policyholder, in your insurance claim. We read the policy, document the loss, negotiate the settlement, and fight for what your coverage already promises.

  • Licensed & certified by Florida DFS
    Ocean Point Claims Company is a Florida-licensed public adjusting firm, FL DFS #W829547. Its public adjuster is licensed by the state, in good standing, and verifiable through the DFS licensee search.
  • Experienced. Contingency-based.
    Decades of Florida claim experience. Our fee comes from the settlement increase, not from your pocket upfront.
  • Policy-first review
    We read your policy, including the endorsements most homeowners never see.
(888) 824-1306
Call NowGet Free Review