Glossary · coverage
Effective Date
The date coverage begins.
Coverage begins at 12:01 AM on the effective date (usually). Losses before this moment are not covered, even by one day.
In practice
Where you encounter "Effective Date" in Florida claims
Policyholders see "Effective Date" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 and FS 627.70131.
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Related terms
Named Insured
The person explicitly listed on the policy declarations page.
Additional Insured
A person or entity added to a policy for limited coverage.
Rider
Another term for endorsement, often used for scheduled items.
Policy Period
The dates during which your policy is active.
Expiration Date
The date coverage ends unless renewed.
Cancellation
Termination of policy before expiration.
Know the law
Related statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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Where else this term matters
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Glossary
Related insurance terms
Scheduled Personal Property
Related glossary entry: Scheduled Personal Property.
Dehumidification
Related glossary entry: Dehumidification.
Examination Under Oath Waiver
Related glossary entry: Examination Under Oath Waiver.
Prior Approval Rate
Related glossary entry: Prior Approval Rate.
Mitigation Cost
Related glossary entry: Mitigation Cost.
Surplus Lines
Related glossary entry: Surplus Lines.
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- ✓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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