Tampa homeowner: Partial roof denial to full replacement after Hurricane Milton.
Carrier authorized patch. Matching analysis under FS 626.9744 resulted in full-roof replacement.
Carrier authorized patch. Matching analysis under FS 626.9744 resulted in full-roof replacement.
The initial claim
What went wrong
Carrier authorized partial repair with non-matching materials. Manufacturer discontinuation made the specific tile unavailable.
The intervention
What we did
Manufacturer documentation showing discontinuation. Color-matching analysis showing visible distinction. Cited FS 626.9744 in formal dispute.
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Key takeaways
Lessons for policyholders
FS 626.9744 is powerful but requires documented inability to match. Carriers concede when the statute is properly invoked.
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Carrier lowballed contents claim with a flat offer. Detailed inventory and proper RCV claim recovered 5.2x.
Orlando water damage: $12,000 initial to $58,000 supplemental after hidden damage.
Initial scope missed behind-wall water damage. Supplemental claim under FS 627.70132 recovered full scope.
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Burst pipe flooded kitchen and adjacent spaces. Initial carrier scope missed cabinetry, flooring underlay, and mold.
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