Glossary · coverage
Blanket Coverage
A single limit applies across multiple locations or coverage categories.
Common in commercial policies. Simplifies multi-location claims but can leave gaps in specific categories if limit is insufficient.
In practice
Where you encounter "Blanket Coverage"
Policyholders see "Blanket Coverage" referenced in policy language, claim correspondence, and scope documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See FS 626.854 on public adjuster representation and FS 627.70131 on carrier duties.
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Know these too
Related terms
Appurtenant Structures
Structures on your property attached or functionally related to the main dwelling.
Agreed Value
Policy coverage at a pre-established value, not current market value.
All-Other-Perils Deductible
The standard flat-dollar deductible for non-hurricane/storm perils.
Builder's Risk
Insurance for property under construction.
Business Interruption
Coverage for lost income when property damage halts business.
Coinsurance
Penalty for underinsurance at loss time.
Know the law
Related statutes
FS 626.854 Public Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
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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.
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Related resources
First 48 Hours
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Glossary
Related insurance terms
Market Share
Related glossary entry: Market Share.
Hurricane Deductible
Related glossary entry: Hurricane Deductible.
Umbrella Policy
Related glossary entry: Umbrella Policy.
DP-3 Policy
Related glossary entry: DP-3 Policy.
Temporary Repairs
Related glossary entry: Temporary Repairs.
Duty to Defend
Related glossary entry: Duty to Defend.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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 later.
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