Extended Replacement Cost
Coverage beyond Coverage A limit for rebuild.
Typically 25-50% above Coverage A. Valuable when rebuild costs exceed policy limits due to code upgrades or material inflation. Note: under Florida Statute 627.7011(2), ordinance or law coverage is deemed included at 25 percent of the dwelling limit unless the carrier holds your written refusal on an OIR-approved form.
In practice
Where you encounter "Extended Replacement Cost"
Policyholders see "Extended Replacement Cost" 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.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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.
Know these too
Related terms
Structures on your property attached or functionally related to the main dwelling.
Policy coverage at a pre-established value, not current market value.
The standard flat-dollar deductible for non-hurricane/storm perils.
A single limit applies across multiple locations or coverage categories.
Insurance for property under construction.
Coverage for lost income when property damage halts business.
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.
Decision tools.
Real recoveries.
Common problems.
Free claim review
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.
Know the law
Related statutes
Your representation rights.
Statutory deadlines.
When you must file.
Homeowner claim bill.
Reasonable matching requirement.
Related glossary entry: Proximate Cause Chain.
Related glossary entry: Bad Faith.
Related glossary entry: Roof Payment Schedule.
Related glossary entry: Sinkhole Activity.
Related glossary entry: O&P (O&P).
Related glossary entry: Dry Time.
No obligation. No fee unless recovery.
Free review.
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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