ClaimPoint Advisors | Florida Property Damage Education & Audits

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Something at home feels off? Let’s check it before it becomes a claim.

A quick, no-pressure home review that tells you what’s real, what’s new, and what’s covered — before any deadline closes.

Start My Evaluation Free Homeowner Guides

Serving homeowners who want clarity, control, and real answers — right here in our part of Florida.

BRADENTON • SARASOTA • MANATEE & SURROUNDING COUNTIES

Most of the people we help already filed something they just never got a clear answer.

Most Frequently Asked Questions

Q: Do I have to pay you out of pocket?

A: No. Public adjusters in Florida work on a percentage of whatever additional money we recover for you. If the insurance company doesn’t pay anything, you don’t pay anything.

Max CAT Fee 10% in FL(Ex. Hurricane Milton)

Max non-CAT 20%(Ex. plumbing/hvac)

I already filed a claim — can you still help me?

Yes. Most homeowners we meet already started something (called the carrier, let a roofer file it, or had someone come out). We check the status, review what’s been done, and see if anything’s been missed or underpaid.

I already have a public adjuster or attorney — can I switch?

Yes. Florida law allows homeowners to change representation at any time.

$0 paid = $0 owed to the old PA
If money was paid, they only get a percentage of that amount — not future money

We walk you through it step-by-step before you make a decision.

A roofer or contractor filed my claim — what now?

A: Contractors cannot negotiate or manage claims in Florida. If they filed your claim or spoke to the insurance company “for you,” you still own your claim. We simply review what was signed especially any AOB (Assignment of Benefits) or AOC (Assignment of Claim) and explain your options to take control back.

Q: Citizens denied my roof claim — am I out of luck?

A:Not necessarily. Citizens is strict, but denials can often be reopened or supplemented if the wrong exclusion was used or the damage was misclassified.

My claim is just… sitting. Is that normal?

No. Florida law requires carriers to follow strict timelines (response, inspection, and determination windows). Long delays usually mean the file isn’t being pushed. We check the exact status and where it stalled.

Q: I already fixed some of the damage. Can I still file?

A:Most of the time, yes. Florida allows claims and supplements as long as the damage can be tied to the event. Photos, receipts, or even neighbor evidence can help.

Q: What if my claim was underpaid two years ago?

A: You may still be able to reopen or supplement depending on the cause of loss and the dates. Hurricane Milton claims, for example, can be supplemented until April 2026.

What is an AOB or AOC — and does it affect my claim?

AOB (Assignment of Benefits): gives a contractor the right to bill and sometimes make decisions without you.
AOC (Assignment of Claim): transfers rights to pursue the claim.
If one is signed, we help you understand how to revoke or modify it before you move forward.

If I switch to you, will it slow down my claim?

No. Insurance companies must continue on the same timelines. Switching just changes who communicates on your behalf, not FL the legal deadlines.

When something feels off at home, your coverage should protect you — not confuse you.

Not sure if something is covered? Tell us what changed, we’ll check the dates for you.

Start My Coverage Check

What We Do

We Inspect, Document, Refer, and Support — like a neighbor who knows the system. Calm, clear, and always in your corner.

Education

What your insurer wont spell out — we will.

Document

Clear, credible claim files that stand up under pressure.

Refer

A trusted circle of partners, ready when you need them.

Inspect

Thorough inspections that give you peace of mind.

Florida Claims Truths Most People Never Hear

Policyholders recover nearly 5-7× more with PA.
n a study of Citizens claims, policyholders using public adjusters recovered up to 747% more in catastrophe-related claims and 574% more in non-catastrophe claims versus those without PA representation. In the same OPPAGA study, public adjusters represented 26% of non-catastrophe and 39% of catastrophe claims filed with Citizens.
Wind, Hail & Water = Big Majority of Damage
Wind/hail damage is one of the most common claim types. In Florida, about 1 in 40 insured homes submit a wind or hail claim in a given period. Water damage is also frequent — about 1 in 50 homes file water-damage related claims.
Many Claims Are Denied or Closed w/o Payment.
Some Florida insurers closed more than 50% of homeowner claims without ever making a payment. In Florida, over a third of homeowners’ insurance claims go unpaid—Floridians had one of the lowest chance in the U.S. of being paid in 2022.
Florida Over-Representation in Lawsuits V.S. Claims
Florida accounts for only ~9% of U.S. homeowners insurance claims yet it generates ~79% of U.S. homeowners insurance lawsuits. Between 2022 and earlier, 71% of the $51B paid by Florida insurers went to attorneys and public adjusters, not policyholders.
Insurer Profits Rising Amid Premium Surge
In 2024, Florida home insurers collected more in premiums than they paid in claims, for the first time since 2015. Florida’s property insurance market is under stress: many insurers have exited, and the state’s insurer of last resort, Citizens, has had to absorb large policy volumes.

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realistic image of an upscale Florida-style home with visible storm damage — including a blue tarp on the tile roof, debris on the wet lawn, and an overcast sky. No people, no flooding — just exterior damage for professional

Before You Miss a Coverage Window…

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No pressure. No contracts. Just peace of mind.

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