St Augustine storm surge: contents total via NFIP.
Storm surge total loss of contents. NFIP claim expanded via proper inventory.
Storm surge total loss of contents. NFIP claim expanded via proper inventory.
Initial claim
What went wrong
NFIP flood contents claim initially paid flat amount.
The intervention
What we did
Itemized flood-damaged contents with pre-loss photos and purchase records.
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Takeaways
Lessons
NFIP contents claims respond to itemization same as homeowners.
No obligation. No fee unless recovery.
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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.
Fort Myers Hurricane Milton: full roof replacement via matching.
Hurricane Milton roof damage. Carrier authorized partial repair. FS 626.9744 matching drove full replacement.
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.
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.
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More Florida case studies
Destin beachfront condo: proper wind vs flood split.
Another documented Florida claim outcome.
Tampa homeowner: Partial roof denial to full replacement after Hurricane Milton.
Another documented Florida claim outcome.
Boca Raton luxury home: $75k scope to $285k recovery.
Another documented Florida claim outcome.
Delray Beach theft: scheduled jewelry defeated $1,500 sublimit.
Another documented Florida claim outcome.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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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 later.
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