For Realtors
Navigating Home Sales with Open Insurance Claims
Active claims complicate closings. Assignability, proceeds allocation, and disclosure all come into play. How to close clean.
Active claims complicate closings. Assignability, proceeds allocation, and disclosure all come into play. How to close clean.
Context
Overview
Open claims during closing require careful navigation. Claim proceeds may belong to seller, buyer, or both. Assignment depends on timing, repair status, and policy terms. Proper allocation prevents post-closing disputes.
How it works
Workflow
- 01
Step 1
Identify any open claims early
- 02
Step 2
Seller provides claim status and estimated resolution
- 03
Step 3
Decide on proceeds allocation (seller repairs before close, or buyer credit, or assignment)
- 04
Step 4
Document allocation in contract
- 05
Step 5
Coordinate with carriers for transfer
- 06
Step 6
Close with clean paper trail
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
What kind of damage?
Pick the closest match. We will ask for details later.
Avoid these
Common mistakes
- XNot identifying open claims until last-minute
- XAssuming seller gets all proceeds regardless
- XMissing assignment requirements that vary by carrier
No obligation. No fee unless recovery.
Partner with Ocean Point Claims Company.
Build referral relationships with a licensed Florida public adjuster.
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
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
Carriers
Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
For professionals
Other resources for professionals
Condo Association vs Unit Owner Claim Splits
Another guide for contractors, realtors, and property managers.
CLUE Reports and Florida Home Sales
Another guide for contractors, realtors, and property managers.
When Your Customer Needs a Public Adjuster
Another guide for contractors, realtors, and property managers.
How Contractors and Public Adjusters Work Together
Another guide for contractors, realtors, and property managers.
Four-Point and Wind Mit Inspections for Closing
Another guide for contractors, realtors, and property managers.
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
What kind of damage?
Pick the closest match. We will ask for details later.
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.
Browse more