Pensacola tree impact on detached garage: Coverage B maxed.
Large oak fell on detached garage during storm. Garage total loss; Coverage B sublimit insufficient.
Large oak fell on detached garage during storm. Garage total loss; Coverage B sublimit insufficient.
The initial claim
What went wrong
Initial offer applied lower Coverage B sublimit.
The intervention
What we did
Reviewed dec page, identified Coverage B at 10% of Coverage A, maxed payment, added ordinance-or-law for rebuild.
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Key takeaways
Lessons for policyholders
Know your Coverage B sublimit before a claim. Update dec page if it exceeds needs.
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Know the law
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FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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