Delray Beach theft: scheduled rider versus jewelry sublimit.
Example figures drawn from common Florida claim patterns. Not a specific claim or client, and not actual settlement amounts. Disclosures.
Theft of jewelry. Policy had scheduled personal property rider; carrier initially applied unscheduled sublimit.
Theft of jewelry. Policy had scheduled personal property rider; carrier initially applied unscheduled sublimit.
The initial claim
What went wrong
Carrier applied unscheduled jewelry sublimit of $1,500.
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The intervention
What we did
Produced scheduled personal property rider with itemized values.
Key takeaways
Lessons for policyholders
Scheduled personal property overrides unscheduled sublimits. Keep the rider handy.
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Another Florida claim example.
Another Florida claim example.
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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
What kind of damage?
Pick the closest match. We will ask for details next.
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