Glossary · damage
Consequential Loss
Damage resulting indirectly from a covered peril.
When spoiled food results from power loss from a covered peril, or when tenant moves out due to covered damage, the financial consequence can be covered under specific policy provisions.
In practice
Where you encounter "Consequential Loss"
Policyholders see "Consequential Loss" 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
Constructive Total Loss
Repair costs exceed the replacement value; settle at total loss.
Frozen Pipe Damage
Water damage from burst pipes in freeze conditions.
Pre-Existing Condition
Damage that existed before the loss event.
Progressive Loss
Damage that worsens over time after initial event.
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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- ✓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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Glossary
Related insurance terms
Hurricane Supplemental
Related glossary entry: Hurricane Supplemental.
Reinsurance
Related glossary entry: Reinsurance.
Category 3 Water
Related glossary entry: Category 3 Water.
Labor Burden
Related glossary entry: Labor Burden.
Assignment of Benefits (AOB)
Related glossary entry: Assignment of Benefits (AOB).
Deductible
Related glossary entry: Deductible.
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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