Glossary · coverage
Dwelling Form
Policy form type (HO-3, HO-5, HO-6, DP-3, etc.).
Each form has different coverage scope. HO-3 is open peril on dwelling, named peril on contents. DP-3 for rental property. Know your form.
In practice
Where you encounter "Dwelling Form"
Policyholders see "Dwelling Form" 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.
Blanket Coverage
A single limit applies across multiple locations or coverage categories.
Builder's Risk
Insurance for property under construction.
Business Interruption
Coverage for lost income when property damage halts business.
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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Still building your claim? We can help right now.
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.
Go deeper
Related resources
First 48 Hours
Emergency playbooks.
Claim Process
FNOL to settlement.
Florida Law
Statutes that protect you.
Denied Claims
Every denial reason.
Carriers
Florida carrier profiles.
Locations
All 67 counties.
Glossary
Every claim term.
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Damage categories.
Storms
Florida storm profiles.
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Decision tools.
Case Studies
Real recoveries.
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Common problems.
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Glossary
Related insurance terms
Payment Milestones
Related glossary entry: Payment Milestones.
Pure Loss
Related glossary entry: Pure Loss.
Insurable Value
Related glossary entry: Insurable Value.
Umpire
Related glossary entry: Umpire.
Line Item
Related glossary entry: Line Item.
Named Peril
Related glossary entry: Named Peril.
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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