Legal-Grade Estimating & Appraisals for Disaster Cases
The Estimating Partner Trusted by South Florida’s Legal Community
We deliver certified, litigation-ready damage appraisals within 48 hours of major disasters.
Hurricanes. Floods. Fires. When your firm takes the case, we handle the numbers.
We Serve Law Firms Focused On:
Insurance litigation
Property damage and tort cases
Class action suits
Personal injury claims related to property loss
Subrogation and recovery
We’re your forensic estimating team—delivering what your adjusters can’t and your courtroom demands.
We specialize in high-impact events that create complex claims:
Hurricanes & Windstorms: Structural damage, roof loss, water intrusion
Floods & Storm Surges: Foundation damage, mold, loss of use
Power Failures: Equipment loss, food spoilage, HVAC failures
Vehicle/Construction Impact: External damage to commercial/residential structures
Fires & Explosions: Smoke damage, reconstruction scope, business interruption
What Sets Us Apart
Fast Post-Storm Response
Local team with emergency deployment kits
48-hour site visits available
After-hours and weekend service
Built for the Courtroom
Clear, concise reports
Photos, affidavits
Expert testimony
Deep Local Experience
Based in Miami
Florida code knowledge
Familiar with litigation climate
How it works
1
Initial Consultation
Submit details of your case or property. We’ll respond within 1 business hour.
2
On-Site Damage Assessment
We deploy an expert appraiser to the site, often within 48 hours.
3
Full Report Delivery
Receive a certified, courtroom-ready estimate within 3 business days.
4
Ongoing Support
Need a deposition, affidavit, or expert appearance? We’re ready.
Services
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Insurance Estimate Review & Rebuttals
• Line-by-line audit of insurer reports
• Identification of missing scope or underpriced items
• Cost code disputes and depreciation challenges
• Written rebuttals for litigation or mediation
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Commercial & Multi-Unit Property Estimating
• Large-loss estimating for apartment complexes, hotels, strip malls
• Reconstruction phasing and cost projections
• Coordination with GCs, engineers, and environmental specialists
• Business interruption calculation support
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Consultation & Pre-Litigation Advisory
• Pre-filing damage assessments
• Claims strategy support
• Review of opposing estimates
• Second opinions and rebuttal preparation
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Courtroom-Ready Reports & Support
• Exhibit-ready formatting
• Code upgrades and compliance noted
• Expert declarations and sworn affidavits
• Daubert/Frye support
• Remote or in-person trial testimony
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Emergency Post-Disaster Assessments
• Rapid deployment within 24–48 hours of event
• Structural damage analysis
• Mold, water, electrical, and life safety documentation
• Drone and thermal imagery included
• Deal for early mediation or TRO prep
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Forensic Damage Estimates
• Residential, commercial, and industrial property losses
• Scope of repair and replacement
• Line-item estimates with cost breakdowns
• Annotated photos and exhibits
• Built specifically for litigation and court submission
Legal-Only Focus, GC-Ready Standards
We serve law firms and independent general contractors—never insurers. Our goal is to document and defend the true scope and value of your case or project.
About Us
At OnPoint Estimating & Appraisals, we provide the cornerstone of clarity and accuracy for complex property damage and reconstruction projects. Based in Coral Gables, Miami-Dade County, Florida, our reach extends across all of Florida, Louisiana, and Texas, serving as a trusted partner for both discerning legal firms and independent General Contractors specializing in reconstruction work.
Our Mission:
Our mission is to empower our clients – from legal professionals seeking indisputable data to general contractors building recovery – with precise valuations, expert analysis, and comprehensive documentation. We are committed to fostering fair and efficient outcomes by providing the critical financial insights needed to navigate the challenges of property loss and restoration.
Who We Are:
We are a dedicated team of highly skilled and certified appraisers and estimators, bringing extensive hands-on experience to every project. Our expertise spans a wide spectrum of property types, from residential and commercial structures to specialized facilities, and addresses damages stemming from hurricanes, floods, fires, mold, and other catastrophic events. We pride ourselves on our deep understanding of construction methodologies, current market costs, and the intricacies of insurance policy language.
Who We Serve:
Legal Firms: We provide invaluable litigation support, expert witness testimony, and objective damage assessments to attorneys navigating complex property insurance disputes, subrogation claims, and bad faith litigation. Our meticulous reports and credible opinions stand up to the most rigorous scrutiny.
Independent General Contractors (GCs): We deliver precise, detailed estimates that empower GCs to bid confidently, manage project costs effectively, justify change orders, and accelerate payment from insurance companies. Our industry-standard reports (Xactimate, Symbility) streamline communication and ensure all damages are accurately accounted for, allowing GCs to focus on the build.
Our distinct edge:
Broad Regional Expertise: With extensive experience across Florida, Louisiana, and Texas, we possess a nuanced understanding of regional construction cost, building codes, and insurance claim practices specific to these dynamic markets.
Unwavering Objectivity: Our independence guarantees unbiased valuations and reports, crucial for building trust and achieving favorable results in both legal and construction contexts.
Forensic Precision: We delve beyond the surface, meticulously documenting every aspect of damage to provide comprehensive, defensible reports that leave no question unanswered.
Litigation & Reconstruction Readiness: Our processes are designed for seamless integration with your workflow, whether you're building a legal case or rebuilding a property. We provide the robust documentation and expert support you need at every stage.
Responsive Partnership: We understand the critical deadlines and demands of your professions. Our team is committed to timely delivery, clear communication, and acting as a proactive extension of your firm or project team.
Case Studies
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Tripling the Insurance Settlement in a Hurricane Damage Dispute
After Hurricane Ian, an insurer offered $72,000 for roof and water damage. Believing the impact was underestimated, the homeowner’s legal team brought in On Point Estimating for an independent assessment.
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Turning a Denied Hurricane Claim into a $300,000 Insurance Settlement
After Hurricane Ian, a homeowner’s insurance claim was denied due to “pre-existing damage.” Their legal team turned to On Point Estimating for expert support, guidance, and a thorough assessment to challenge the denial.
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Retrospective Appraisal Resolves High-Value Divorce Dispute
In a contentious divorce case, On Point Estimating was brought in to counter a $200,000 undervaluation of a fully renovated marital home that was central to the complex, high-stakes equitable asset division process.
“The most reliable appraisers we’ve worked with—especially after major hurricanes.”
-Litigation Partner, Boca Raton
“Reports are formatted exactly how we need them for mediation and court filings.”
— Insurance Attorney, Coral Gables
“Fast, detailed, professional. We now use them on every property case.”
— Managing Partner, Fort Lauderdale
Contact Us
Let’s Talk About Your Case or Project
At On Point Estimating & Appraisals, we’re ready to help you build a case—or rebuild a structure—with confidence. We offer rapid turnaround, courtroom-tested expertise, and clear communication at every step
55 Merrick Way, Suite 405 Coral Gables, FL 33134 (Appointments required for in-person meetings)
info@onpointestimate.com
(305) 422-1110
Mon–Fri | 8:30 AM – 5:30 PM Eastern