Methodology
How We Research and Review Florida Insurance Content
PANM methodology: how we research statutes, review denial reasons, anonymize case studies, and maintain editorial independence.
Methodology
Our review process
Every PANM page moves through drafting, licensed-adjuster review, legal review where statutes are cited, and publishing. Updates occur when statutes change, when our claim experience reveals new patterns, and quarterly on evergreen content. The update cadence per content type is published below.
Evidence
Sources we use
- DFFlorida Department of Financial Services filings and public records
- CAReal client case experience (anonymized for all published case studies)
- NANAIC market data and carrier financial reports
- COFlorida court filings and decisions (public records)
- FOFOIA requests for regulatory data where applicable
- INIndustry press and restoration/claim professional publications
Ethics
How we anonymize case studies
Every case study on PANM is anonymized. Identifying details (exact addresses, unique names, specific dates tied to identifiable news events) are altered. Settlement figures are actual. Methodologies are actual. Outcomes are actual. The client details are not.
Free claim review
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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.
- ✓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.
Freshness
Update cadence
| Content type | Update frequency |
|---|---|
| Florida statutes | Within 30 days of statutory change |
| Denial reasons | Quarterly review |
| Carrier profiles | Bi-annual or after regulatory event |
| Storm pages | Post-storm supplemental + annual review |
| Glossary | As needed |
| Case studies | Added as claims close; existing ones annual review |
| Claim types | Annual review |
Integrity
Correction policy
When we identify an error, we correct it on the page and note the correction at the bottom with date. Material corrections to statutory content are republished with a prominent notice. Email [email protected] with issues.
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.
Disclosure
Editorial independence
PANM's editorial content is not influenced by carrier relationships because we have none. We do not accept carrier sponsorship. We do not adjust coverage of specific carriers based on commercial relationships. The affiliation with Ocean Point Claims Company is disclosed openly; the editorial standards are independent of Ocean Point's commercial interests.
No obligation. No fee unless recovery.
The people who wrote these standards will review your claim.
Free claim review from a licensed Florida public adjuster.
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.
See also
Related
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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.