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Claim Severity definition
Glossary · process

Claim Severity

Measure of claim size and complexity.

Definition
Claim Severity
Carriers categorize claims by severity affecting adjuster assignment and handling urgency. Catastrophic losses receive specialized handling.

Carriers categorize claims by severity affecting adjuster assignment and handling urgency. Catastrophic losses receive specialized handling.

In practice

Where you encounter "Claim Severity"

Policyholders encounter "Claim Severity" in policy language and claim correspondence. Knowing the precise definition keeps you from accepting carrier framing.

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

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Step 1 of 3· Damage33%

What kind of damage?

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Related

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.

Know the law

Related statutes

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Licensed Florida public adjuster.

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.

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.
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