Glossary · coverage
Endorsement
A policy amendment that adds, removes, or modifies coverage.
Endorsements customize your policy. Common ones: scheduled jewelry, water backup, ordinance or law, earthquake, flood. Read every endorsement on your declarations page.
In practice
Where you encounter "Endorsement" in Florida claims
Policyholders see "Endorsement" 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 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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Related terms
Actual Cash Value
The depreciated value of damaged property.
Replacement Cost Value
The full cost to replace damaged property at current prices.
Hurricane Deductible
A percentage-based deductible for named hurricanes.
Coverage A
Dwelling coverage for the structure of your home.
Coverage B
Other Structures coverage.
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Where else this term matters
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Glossary
Related insurance terms
Statute of Limitations
Related glossary entry: Statute of Limitations.
Covered Cause of Loss
Related glossary entry: Covered Cause of Loss.
Open Claim
Related glossary entry: Open Claim.
Recoverable Depreciation
Related glossary entry: Recoverable Depreciation.
Claim Severity
Related glossary entry: Claim Severity.
Structured Settlement
Related glossary entry: Structured Settlement.
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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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