Glossary · damage
Constructive Total Loss
Repair costs exceed the replacement value; settle at total loss.
When rehabilitation cost plus salvage exceeds replacement value, total loss economics apply. Carriers settle at replacement minus deductible rather than funding uneconomic repair.
In practice
Where you encounter "Constructive Total Loss"
Policyholders see "Constructive Total 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
Consequential Loss
Damage resulting indirectly from a covered peril.
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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A licensed Florida public adjuster will review your policy and loss documentation for free.
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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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Related resources
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Glossary
Related insurance terms
Policy Limit
Related glossary entry: Policy Limit.
Catastrophic Ground Cover Collapse
Related glossary entry: Catastrophic Ground Cover Collapse.
Additional Living Expense (ALE)
Related glossary entry: Additional Living Expense (ALE).
Blanket Coverage
Related glossary entry: Blanket Coverage.
Market Share
Related glossary entry: Market Share.
Hurricane Deductible
Related glossary entry: Hurricane 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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