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Florida Carrier Response Time Estimator.

Given your carrier and claim type, estimates how long each stage of your claim will take.

Acknowledgment
FS 627.70131 (7 days)
September 20, 2026
Inspection
30 days typical
October 11, 2026
Decision (pay or deny)
60 days after notice of claim
November 5, 2026
Initial payment
Per FS 627.70131
November 20, 2026

Generic Florida carrier estimate per FS 627.70131 statutory deadlines. These are ranges, not guarantees. Your claim may move faster or slower depending on scope and carrier load.

Given your carrier and claim type, estimates how long each stage of your claim will take.

Mechanism

How it works

Uses FS 627.70131 statutory deadlines combined with known carrier-specific averages to estimate timelines for acknowledgment, inspection, and decision.

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Step 1 of 3· Damage33%

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Output

What it tells you

Expected timeline for each stage of your claim with your specific carrier.

This tool is advisory.

Tool outputs inform decisions but do not replace a licensed professional review. For significant claims, consult a licensed Florida public adjuster.

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  • 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.

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Reviewed: April 24, 2026

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  • 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.
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