divered couple

Clarity Is the Real Coverage


Insurance can’t replace peace of mind — but understanding your coverage can. We turn confusion into confidence for Florida property owners.

Proudly serving Manatee, Sarasota, and surrounding counties.

Most Frequently Asked Questions

As a contractor, how do I know you won’t step on my scope of work?

ClaimPoint’s role is on the insurance and documentation side, not construction. We don’t perform repairs or control your estimates. Our job is to make sure your scope is fully funded and approved, so you can do the work right the first time without fighting underpaid claims.

Think of us as the bridge between your client and their insurer — we handle the paperwork, policy language, and claim coordination so you can focus on the build. When everyone stays in their lane, the homeowner wins, and you get paid faster.

I manage multiple rental properties — can you keep me updated on all of them at once?

Absolutely. ClaimPoint was built with property managers and multi-property owners in mind.

We organize every property under one file system, so you’ll get status updates, inspection reports, and claim progress all in one place — no juggling separate emails or phone calls.

You’ll always know which properties are clear, which are under review, and what’s next on each claim. Our goal is to keep you fully informed and stress-free, no matter how many addresses are on your list.

I live out of state. How will I know what’s happening with my claim?

You don’t have to be here for us to protect your property.

ClaimPoint is set up to handle everything remotely — from inspections and photo documentation to communication with your insurance company.

You’ll receive digital updates, photos, and status reports as your claim moves forward, so you always know what’s happening without having to be on-site.

Our goal is simple: make managing your Florida property easy, no matter where you live.

Q: My AC overflowed and flooded my floors — is that even covered?

A: Often yes. Insurers may try to call it “maintenance,” but with the right documentation it’s usually considered water damage — which is covered. This is where proper reporting makes all the difference.

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

A:Not necessarily — a denial isn’t always the end of your claim.

Citizens denies a high number of roof claims in Florida, but many of those decisions can be challenged or reopened with the right documentation.

Here’s how it usually works:
Reopen with new evidence: If the first adjuster missed damage, a licensed Public Adjuster can request a supplemental inspection or reinspection with new photos, reports, or expert findings.
Engineering reviews: Many denials are based on “wear and tear” language — but an independent roof or engineering report can prove the damage was actually storm-related, which changes everything.
One-year filing window: Under Florida law (§627.70132), you have up to 1 year from the date of loss to reopen or file a new claim and 18 months for supplemental damage — even if your insurer closed it.
Proper documentation = leverage: The insurer’s first estimate isn’t final. Accurate photos, inspection notes, and code documentation can justify a higher payout.

A Public Adjuster’s job is to gather, organize, and present that missing evidence — so you get another legitimate look at your roof claim and a fair settlement without starting over.

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

A: No. Public adjusters in Florida work on contingency, meaning we only get paid when you do. Our focus is maximizing your payout, not adding another bill.

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

A: Yes. In fact, keeping your receipts strengthens the case. Repairs often prove the true scope of damage — don’t assume you lost your chance.

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

A: Florida law allows many claims to be revisited for up to five years if hidden or additional damage is found. A fresh inspection could uncover money left on the table.

mixed race women sipping tea looking out the windown watching the inspector with a baby in her arms ooking realieved

Your Policy Shouldn’t Be a Puzzle When You Need It Most.

You pay for coverage. We make sure it performs the way it should.

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.

Helpful Tools

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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  • show inspector in attic showing homeowner pointing at a slow leak from missing shingle on the roof

    Roof Damage 101

    Learn how Florida storms impact roofs — and why carriers often underpay roof claims.

  • flood vs water damage example

    Flood vs. Water Damage

    Not all water damage is treated equally. Here’s the difference between covered and denied.

  • Flat-lay of a wooden desk with labeled folders: “Claim,” “Policy,” “Denial Letter,” “Appeal.” One folder open, others neatly stacked.

    Insurance Denial Myths

    Denied doesn’t always mean “the end.” Common denial reasons and how to challenge them.

  • Close-up of two people pointing at a blueprint or property map — clearly discussing rooflines, balconies, or shared walls.
→ Visually shows how ownership overlaps, which is what most owners don’t understand.

    HOA & Condo Claims Simplified

    What every board and unit owner should understand about property claims — from water to wind, and everything in between.

  • Flat-lay photo of a kitchen table with:

a laptop open to a confusing insurance portal

a notepad with half-legible notes

coffee mug, calculator, and maybe a small stack of receipts

a phone buzzing nearby

Mood: relatable, slightly chaotic, not sad — the “I got this… I think?” energy.
Message: you can go it alone, but it’s a project.
Tone: light, real, human.

    Claims Process With vs Without a Public Adjuster

    Every claim follows the same laws — the difference is in the details.
    If you’re familiar with insurance language and deadlines, you can manage it yourself.
    If not, a Public Adjuster helps document, interpret, and advocate so nothing gets missed.

Most policies sound the same. Until it’s time to use them. Lets make sure yours holds up when it matters most...

Managing Multiple Properties? Let’s Keep Them Claim-Ready All Year.We help property managers and second homeowners document, inspect, and protect every property — so when damage happens, you already have everything your insurer needs to pay fast and fair.