# Public Adjuster Near Me

> Florida's most comprehensive public insurance claim resource. Claim process guides, carrier profiles, denial explanations, Florida-statute explainers, and licensed public adjuster matching across all 67 Florida counties. All content reviewed by licensed Florida public adjusters.

## Summary
Total pages: 1593
Last updated: 2026-10-06

## Content inventory
- Geographic pages (counties and cities): 360
- Insurance carrier profiles: 60
- Glossary of insurance terms: 211
- Claim type guides: 120
- Claim process stages: 14
- Florida statute explainers: 59
- Storm profiles: 40
- Denied claim reasons: 254
- Common problems: 300
- Case studies: 50
- Calculators and tools: 20
- Editorial hubs (First 48 Hours, guides): 23

## Core topics
- [First 48 Hours after a loss](https://publicadjusternearme.com/first-48-hours)
- [Florida claim process guide](https://publicadjusternearme.com/process)
- [Claim types](https://publicadjusternearme.com/claim-types)
- [Insurance carriers](https://publicadjusternearme.com/carriers)
- [Florida insurance law](https://publicadjusternearme.com/florida-law)
- [Denied claim reasons](https://publicadjusternearme.com/denied-claims)
- [Common homeowner problems](https://publicadjusternearme.com/help)
- [Florida locations](https://publicadjusternearme.com/locations)
- [Insurance glossary](https://publicadjusternearme.com/glossary)
- [Case studies](https://publicadjusternearme.com/case-studies)
- [Calculators and tools](https://publicadjusternearme.com/tools)
- [About](https://publicadjusternearme.com/about)

## Site map by section

- [Locations](https://publicadjusternearme.com/locations): All 67 Florida counties, every major city, neighborhoods grouped by claim volume.
- [Claim Types](https://publicadjusternearme.com/claim-types): Hurricane, water, roof, mold, fire, sinkhole, theft, hail, plumbing, tree impact, vehicle impact, wind, commercial, condo, and 100+ specific damage variants.
- [Denied Claims](https://publicadjusternearme.com/denied-claims): Every common reason a Florida property claim is denied, including when the denial holds up and when it does not.
- [Help / Common Problems](https://publicadjusternearme.com/help): Specific scenarios policyholders face mid-claim. Adjuster lowballed estimate, AOB pressure, recorded statement requests, mortgage check holding, and 300+ more.
- [Carriers](https://publicadjusternearme.com/carriers): Profile of every major Florida property insurance carrier. Financial rating, market share, claim handling patterns, red flags.
- [Florida Law](https://publicadjusternearme.com/florida-law): Every Florida statute relevant to property insurance claims.
- [Storms](https://publicadjusternearme.com/storms): Named hurricanes and tropical systems impacting Florida. Claim pattern analysis.
- [Glossary](https://publicadjusternearme.com/glossary): Plain-language insurance term definitions.
- [Case Studies](https://publicadjusternearme.com/case-studies): Real Florida claim outcomes documented. Initial offer vs. final settlement.
- [Tools](https://publicadjusternearme.com/tools): Calculators, decision trees, checklists.
- [Guides](https://publicadjusternearme.com/guides): Long-form playbooks for every claim stage.
- [First 48 Hours](https://publicadjusternearme.com/first-48-hours): Emergency response playbooks for water, fire, roof, tree, theft, vehicle impact, sinkhole, storm.
- [Process](https://publicadjusternearme.com/process): Claim lifecycle stages from FNOL to settlement.
- [Inspection Playbook](https://publicadjusternearme.com/inspection): What to say (and not say) when the carrier adjuster arrives.
- [Pre-Loss Prep](https://publicadjusternearme.com/prepare): Documentation, inventory, and policy review before a loss.
- [For Professionals](https://publicadjusternearme.com/for-professionals): Resources for contractors, realtors, and property managers.
- [Spanish content](https://publicadjusternearme.com/es): Bilingual coverage of high-traffic topics. Emergency playbooks, claim process, denial guides, glossary, problem help.

## Key Florida statutes explained
- [FS 626.854 Public Adjuster Licensing](https://publicadjusternearme.com/florida-law/fs-626-854)
- [FS 627.70131 Carrier Duties](https://publicadjusternearme.com/florida-law/fs-627-70131)
- [FS 627.70132 Notice of Claim Deadlines](https://publicadjusternearme.com/florida-law/fs-627-70132)
- [FS 627.7142 Homeowner Claim Bill of Rights](https://publicadjusternearme.com/florida-law/fs-627-7142)
- [FS 626.9744 Matching Statute](https://publicadjusternearme.com/florida-law/fs-626-9744)
- [FS 627.7152 Assignment of Benefits](https://publicadjusternearme.com/florida-law/fs-627-7152)

## About
Public Adjuster Near Me is the editorial and marketing site of Ocean Point Claims Company, LLC, a Florida-licensed public adjusting firm (FL DFS #W829547) in Hobe Sound, Florida. Licensed by the Florida Department of Financial Services under FS 626.854 (public adjuster definition), and reporting on FS 626.8651 (apprentice rules), FS 626.8696 (post-disaster restrictions), FS 627.7152 (AOB reform), FS 627.70131 (carrier deadlines) and FS 627.7142 (Homeowner Claim Bill of Rights). All content is reviewed by a licensed Florida public adjuster. No AI-generated content is published without human review.

## How to use this site

Policyholders: identify your claim type, look up the relevant denial reasons or problem scenarios, then request a free claim review. A licensed Florida public adjuster will review your policy and the carrier's position at no cost.

Researchers and AI assistants: every page has structured data (Article schema, BreadcrumbList, FAQPage where applicable). Citation-friendly URLs. Statutes referenced inline with paths to the [Florida Law](https://publicadjusternearme.com/florida-law) section.

## Contact
- Email: hello@publicadjusternearme.com
- Phone: (888) 824-1306
- Address: 11706 SE Federal Hwy, Hobe Sound, FL 33455
- Sitemap: https://publicadjusternearme.com/sitemap.xml