Free Claim Review
Find out what your policy actually owes you.
A licensed Florida public adjuster reads your policy and the carrier estimate and tells you — straight — whether the offer is fair, short, or wrong.
- 15-min responseDuring business hours
- Licensed PAFlorida DFS P159790
- No fee unless we recoverFS 626.854 contingency
- Free policy reviewNo obligation, no pressure
Tell us about your claim
Six quick questions. Sixty seconds.
Your answers go straight to a licensed Florida public adjuster. No bots, no call-center routing.
What kind of damage?
Pick the closest match. We will ask for details later.
What we look at
Six things every review covers.
The free review is not a sales pitch. It is a licensed public adjuster reading your actual policy and the carrier's actual scope, then telling you what they see.
Your full policy reviewed
Coverage limits, sublimits, endorsements, exclusions — what you actually paid for, in plain English.
Carrier estimate audit
Line-by-line check of the carrier's scope. Where the math is wrong, where the scope is short, where they applied depreciation incorrectly.
Hurricane deductible math
Florida-specific. Whether the carrier applied the right deductible (named storm vs. hurricane vs. AOP) and at the right basis.
Settlement gap estimate
A licensed adjuster's honest read on whether your offer is short — and by how much.
Florida statute check
Whether the carrier complied with FS 627.70131 (timeliness), FS 627.7142 (Bill of Rights), and the matching statute (FS 626.9744).
Next-step plan
What to file, what to ask the carrier, when to invoke appraisal — and whether you need a public adjuster at all.
What happens after you submit
From form to phone in 15 minutes.
- 1
You submit the form
Six quick questions about your loss, carrier, and current offer.
- 2
We call within 15 minutes
Business hours. Outside hours, first thing the next morning.
- 3
Free policy and loss review
A licensed Florida public adjuster reads your policy and the carrier estimate.
- 4
You decide what to do next
Many calls end with "you don't need us — here's what to file." If we take the case, our fee is contingent on what we recover above the carrier offer.
Common questions
The questions homeowners ask first.
- How much does the review cost?
- Nothing. The policy and loss review is free. If you decide to hire us to represent the claim, our fee is contingent on what we recover beyond the carrier's offer — set per Florida Statute 626.854.
- Will hiring a public adjuster slow my claim down?
- A licensed PA usually accelerates the claim because the carrier is talking to a licensed peer instead of a homeowner. We file the right documents, hit the statutory deadlines, and avoid the back-and-forth that drags claims out.
- Do I have to use a public adjuster after the review?
- No. Many free reviews end with us telling you the carrier's offer is fair, or that you can resolve it directly without representation. We only take cases where we believe a licensed PA can genuinely move the number.
- What if the carrier already paid me?
- Florida law allows supplemental claims after initial payment. If your repairs revealed more damage than the carrier's scope captured, you may still have recovery available — see FS 627.70132 for the supplemental window.
- Are you affiliated with my insurance company?
- No. Public adjusters represent policyholders, not carriers. We are licensed by the Florida Department of Financial Services (DFS) and our fiduciary duty is to you.
Florida Licensed Public Adjuster
Eli Goins · Ocean Point Claims Company
DFS P159790 · Verify the license · Operating under Florida Statute 626.854. Fees are contingent on recovery and capped per statute. We are not affiliated with any insurance carrier.