Fort Myers Hurricane Milton: full roof replacement via matching.
Hurricane Milton roof damage. Carrier authorized partial repair. FS 626.9744 matching drove full replacement.
Hurricane Milton roof damage. Carrier authorized partial repair. FS 626.9744 matching drove full replacement.
Initial claim
What went wrong
Partial repair with discontinued shingle color.
The intervention
What we did
Documented discontinuation; cited FS 626.9744; pushed for full-slope replacement.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 later.
Takeaways
Lessons
Matching statute is underused. Documenting discontinuation opens full replacement.
No obligation. No fee unless recovery.
Claim looking similar? Free review.
Licensed Florida public adjuster.
More examples
Related case studies
DeLand Hurricane Ian: $12k to $68k contents recovery.
Hurricane Ian flooding contents loss. Carrier offered flat settlement. Itemized inventory tripled recovery.
Clearwater kitchen fire: $35k offer to $142k total recovery.
Kitchen fire with extensive smoke damage. Carrier limited scope to fire room; smoke scope expanded claim materially.
Tampa sinkhole: $40k grouting to $220k underpinning.
Sinkhole activity; carrier authorized inadequate grouting. Structural engineer showed underpinning required.
Orlando water + mold: $8k offer to $45k with remediation.
Water leak with mold development. Carrier offered water damage only; mold remediation tripled recovery.
Sarasota lightning: $6k to $45k home systems recovery.
Lightning strike damaged multiple home systems. Itemized replacement tripled offer.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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 later.
Know the law
Relevant statutes
FS 626.854
Public adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
Go deeper
Related resources
First 48 Hours
Emergency playbooks.
Claim Process
FNOL to settlement.
Florida Law
Statutes.
Denied Claims
Denial reasons.
Carriers
Carrier profiles.
Locations
All 67 counties.
Glossary
Claim terms.
Claim Types
Damage categories.
Storms
Florida storm profiles.
Calculators
Decision tools.
Case Studies
Real recoveries.
Help Center
Common problems.
See also
More Florida case studies
Clearwater tree impact: pool cage denied as landscaping, reclassified.
Another documented Florida claim outcome.
Gainesville lightning strike: $15k offer to $52k recovery.
Another documented Florida claim outcome.
Ocala sinkhole: $25k grouting offer to $165k underpinning.
Another documented Florida claim outcome.
Key Largo sewage backup: endorsement saved the claim.
Another documented Florida claim outcome.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 later.
Florida claim updates
One email a month. No fluff.
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more