Glossary · legal
Make Whole Doctrine
Insurer must fully compensate before seeking subrogation.
Prevents carrier from recovering from third parties before the insured is made whole. Florida's application varies.
In practice
Where you encounter "Make Whole Doctrine"
Policyholders see "Make Whole Doctrine" 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
Coverage theory where multiple policy years share a progressive loss.
Conditional coverage based on triggering events.
Failure to disclose material information; can void coverage.
Time carrier has to correct a violation after notice.
The dominant cause in a chain of causation.
Agreement to forgo the carrier's right to EUO.
Know the law
Related statutes
Your representation rights.
Statutory deadlines.
When you must file.
Homeowner claim bill.
Reasonable matching requirement.
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.
Go deeper
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.
Decision tools.
Real recoveries.
Common problems.
No obligation. No fee unless recovery.
Free review.
Glossary
Related insurance terms
Related glossary entry: Hold Harmless Agreement.
Related glossary entry: Agreed Scope.
Related glossary entry: Coverage B.
Related glossary entry: Debris Removal.
Related glossary entry: Recorded Statement.
Related glossary entry: Cancellation.
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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