Glossary · coverage
Additional Insured
A person or entity added to a policy for limited coverage.
Mortgage companies are common additional insureds. They receive notice of claims and checks are sometimes made jointly payable. Review policy for additional insured endorsements.
In practice
Where you encounter "Additional Insured" in Florida claims
Policyholders see "Additional Insured" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 and FS 627.70131.
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Know these too
Related terms
Named Insured
The person explicitly listed on the policy declarations page.
Rider
Another term for endorsement, often used for scheduled items.
Policy Period
The dates during which your policy is active.
Effective Date
The date coverage begins.
Expiration Date
The date coverage ends unless renewed.
Cancellation
Termination of policy before expiration.
Know the law
Related statutes
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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- ✓No fee unless we recover more than you were offered
What kind of damage?
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Where else this term matters
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Glossary
Related insurance terms
Exclusion
Related glossary entry: Exclusion.
HO-6 Policy
Related glossary entry: HO-6 Policy.
Cost of Service
Related glossary entry: Cost of Service.
Office of Insurance Regulation (OIR)
Related glossary entry: Office of Insurance Regulation (OIR).
Depreciation Schedule
Related glossary entry: Depreciation Schedule.
Repetitive Loss
Related glossary entry: Repetitive Loss.
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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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