Delray Beach theft: scheduled jewelry defeated $1,500 sublimit.
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.
The intervention
What we did
Produced scheduled personal property rider with itemized values.
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Key takeaways
Lessons for policyholders
Scheduled personal property overrides unscheduled sublimits. Keep the rider handy.
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FS 627.70131 Carrier Duties
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FS 627.70132 Notice Deadlines
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FS 627.7142 Bill of Rights
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FS 626.9744 Matching
Reasonable matching requirement.
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