Palm Beach County Public Adjuster

Palm Beach County covers the Palm Beach region of Florida, with West Palm Beach as the county seat and a population of approximately 1,496,770. Affluent coastal communities with high property values and complex claims. Wind, roof, and water damage are frequent; claim amounts are often larger than the state median.

On 1960s CBS with tile, the tile is not the roof. The underlayment is the roof. Tile is a shedding layer and a wear surface, and the waterproofing is the felt beneath it. Once that is established, slope-by-slope repair stops making sense, because you cannot reach the underlayment on one slope without lifting tile, and sixty-year-old underlayment cannot be spliced into new.

The hard truth first, because there is no version of this where I pretend otherwise: the limit is the limit, and no Florida statute fixes an underinsured dwelling after the loss. Ordinance and law. Florida Statute 627.7011(2) says that unless the insurer obtained a written refusal on a form approved by the Office of Insurance Regulation, the policy is deemed to include law and ordinance coverage limited to twenty-five percent of the dwelling limit. Ask them to produce the signed rejection form. If they cannot, that is additional money and it sits on top.

Water is honest about where it came from. Rising water wets from the bottom up and stops at a level, and it leaves that level marked on drywall, baseboard, door casings, exterior stucco, the fence, the condenser, and the furniture. Wind-driven water comes from above and wets from the top down with a source directly overhead. Then allocate honestly. Above the line to wind, below it to water. An allocation you can defend beats an aggressive one that collapses. And file both claims the same day. The blame loop only works if you participate in it.

Count the elevations in their own photo log. That is the entire rebuttal and it is built from their document. A house has four elevations plus a roof. A report supported by images of one of them describes a fraction of the building and reaches a conclusion about all of it.

The concept I give homeowners, because it makes the whole thing click: the age of the thing that broke does not depreciate the damage it caused. If a thirty-year-old water heater floods a two-year-old floor, nobody gets to call the floor thirty years old.

— Eli Goins, Florida licensed public adjuster #P159790. Ocean Point Claims Company (FL DFS #W829547).

As of 2026-05-31, about 25,258 Palm Beach County properties were insured by Citizens Property Insurance, Florida's state-backed insurer of last resort. Citizens is where homeowners land when private carriers decline or non-renew them, so its local footprint is a useful read on how hard the private market is here. Every carrier, Citizens included, has its own claim-handling patterns: how fast it pays, what it denies first, how it scopes roof and hurricane claims. Know yours before you file.

Palm Beach County has taken documented impact from 8 named storms since 2004. The most severe local losses came from Hurricane Wilma. Each one shaped how carriers underwrite and adjust claims here, which is why storm causation and the date of loss matter on every Palm Beach County claim.

Palm Beach County's building stock shapes its claim profile. The median owner-occupied home is valued near $447,300 and dates to about 1986, with 59.8% of the stock built before 2000. Older roofs, pre-modern-code construction, and manufactured housing all draw closer carrier scrutiny on wind, roof, and water claims, and are where scope and payment disputes concentrate.

If your Palm Beach County claim is denied, delayed beyond statutory windows, or lowballed on scope, a licensed Florida public adjuster is the right next step. We are licensed by the state of Florida (DFS) under Florida Statute 626.854 to represent policyholders. The Homeowner Claim Bill of Rights spells out what carriers must do for you.