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Florida public adjusters · Olympus claims
Olympus denied your claim or offered far less than the repair costs? We review the decision against your policy, inspect the damage in person and tell you for free whether there is a realistic path to more.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Olympus Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Olympus Insurance Company is a Florida property insurer based in Palm Beach Gardens. It began business on August 8, 2008 and is a subsidiary of Gemini Financial Holdings Corporation, according to the Florida Office of Insurance Regulation’s examination report.
In the Florida Office of Insurance Regulation’s Q2 2026 market-share report, Olympus had 77,294 residential policies in force as of June 30, 2026, ranking 31st among Florida residential property insurers by policy count.
General reasons Florida homeowners report for denied or short-paid claims, with any carrier (not a description of Olympus’s internal rules):
Disputes often turn on how much of the roof is damaged and whether a repair can meet code. Under s. 553.844(5), Florida Statutes, the 25% rule works differently for roofs built or replaced under the 2007 Florida Building Code or later.
Interior water after a storm is often disputed unless the file shows how the water got in. Document the opening, the path and the timing with photos taken before cleanup.
Water damage policies often exclude seepage or leakage over 14 days or more. A plumber’s written report on the cause and timing of the leak can make the difference.
Many Florida policies cap mold or fungi coverage at a low sub-limit. How the water got there, and how fast it was addressed, often decides what is paid.
Estimates sometimes price only the visibly damaged area. Moisture readings, removal of wet materials and matching of adjoining finishes often belong in the scope too.
Under s. 627.70131(7)(a), Florida Statutes, a residential insurer must pay or deny a claim, or a portion of it, within 60 days after notice, with a reasonable written explanation. Mark the date you reported the claim.
Within 60 days after notice of an initial, reopened or supplemental claim, a Florida residential insurer must pay or deny it, or a portion of it, and give a reasonable written explanation of the basis in the policy. If it pays less than its own detailed estimate, it must explain the difference in writing (s. 627.70131(7)(a), Fla. Stat.).
The insurer must send you any detailed estimate within 7 days after its adjuster generates it (s. 627.70131(3)(e)). Compare it room by room with the damage.
Look up the exclusion or condition named in the letter, plus your declarations page and endorsements: hurricane deductible, roof settlement terms, water damage limits.
Notice of a new or reopened claim is due within 1 year after the date of loss, and a supplemental claim within 18 months (s. 627.70132, as amended through 2024). For weather events, the date of loss is the landfall or NOAA-verified date. Lawsuit deadlines are separate.
If the dispute is about the amount of loss and your policy has an appraisal clause, appraisal may apply. Florida’s DFS mediation program (s. 627.7015) is available for many residential disputes.
More on Florida claims: Florida public adjusters · Florida denied claim guide
Real results
Real claims our clients authorized us to share, with their exact numbers. Our case records don’t name the insurance company, so these are not presented as Olympus claims.
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
Ask Olympus in writing for its detailed estimate and an explanation of the difference, then compare the two line by line: quantities, materials, labor, code items and overhead. Under s. 627.70131(7)(a), Florida Statutes, an insurer that pays less than its own detailed estimate must explain the difference in writing.
Often, yes, if notice is given in time. Under s. 627.70132, Florida Statutes, notice of a reopened claim is due within 1 year after the date of loss and notice of a supplemental claim within 18 months. We can look at what was left out and whether a supplement makes sense.
Under s. 627.70132, Florida Statutes, notice of a new or reopened claim must be given within 1 year after the date of loss, and notice of a supplemental claim within 18 months after the date of loss. For hurricanes and other weather events, the date of loss is the landfall date or the date NOAA verifies the event. Lawsuit deadlines are separate; ask a Florida-licensed attorney about those.
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Sources checked September 27, 2026.
Free review. Phone, Zoom or in person. We’ll tell you honestly what we see.
Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Olympus Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.
