
Jacksonville burglary: $8,000 offer to $42,000 with proper documentation.
Carrier initially paid unscheduled sublimit. Proper inventory and proof of ownership unlocked full replacement value.
Carrier initially paid unscheduled sublimit. Proper inventory and proof of ownership unlocked full replacement value.
The initial claim
What went wrong
Carrier applied $1,500 unscheduled jewelry sublimit and flat contents offer. Did not credit proper proof of ownership.
The intervention
What we did
Gathered receipts, credit card statements, warranty records, and social media photos showing items in home pre-theft.

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Key takeaways
Lessons for policyholders
Proof of ownership is flexible. Lack of receipts does not defeat a claim.
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
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Free claim review
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 next.
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Another documented Florida claim outcome.
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Free claim review
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 next.
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