Glossary · estimating
Cost of Service
Labor rates used in estimates, by trade and region.
Reflects prevailing wages for skilled trades. Florida rates vary by region and by peak post-storm demand. Carriers use the published list; actual rates may be higher.
In practice
Where you encounter "Cost of Service"
Policyholders see "Cost of Service" 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
Non-OEM materials used in repairs.
Cost to reconstruct the home from foundation up.
Know the law
Related statutes
Your representation rights.
Statutory deadlines.
When you must file.
Homeowner claim bill.
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 next.
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Related resources
Emergency playbooks.
FNOL to settlement.
Statutes that protect you.
Every denial reason.
Florida carrier profiles.
All 67 counties.
Every claim term.
Damage categories.
Florida storm profiles.
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Glossary
Related insurance terms
Related glossary entry: Office of Insurance Regulation (OIR).
Related glossary entry: Depreciation Schedule.
Related glossary entry: Repetitive Loss.
Related glossary entry: Accidental Discharge.
Related glossary entry: Florida Statute 627.70131.
Related glossary entry: Florida Statute 627.7142.
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.
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