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.
Free claim review
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 next.
Key takeaways
Lessons for policyholders
FS 626.9744 is powerful but requires documented inability to match. Carriers concede when the statute is properly invoked.
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
More examples
Related case studies
Carrier's CAT team adjuster wrote a 15-minute scope. A licensed public adjuster rebuilt the scope line-by-line with engineering support. Fin
Carrier lowballed contents claim with a flat offer. Detailed inventory and proper RCV claim recovered 5.2x.
Initial scope missed behind-wall water damage. Supplemental claim under FS 627.70132 recovered full scope.
Burst pipe flooded kitchen and adjacent spaces. Initial carrier scope missed cabinetry, flooring underlay, and mold.
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.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
See also
More Florida case studies
Another documented Florida claim outcome.
Another documented Florida claim outcome.
Another documented Florida claim outcome.
Another documented Florida claim outcome.
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.
Florida claim updates
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more