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.
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Know these too
Related terms
Continuous Trigger
Coverage theory where multiple policy years share a progressive loss.
Contingent Liability
Conditional coverage based on triggering events.
Concealment
Failure to disclose material information; can void coverage.
Cure Period
Time carrier has to correct a violation after notice.
Efficient Proximate Cause
The dominant cause in a chain of causation.
Examination Under Oath Waiver
Agreement to forgo the carrier's right to EUO.
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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Glossary
Related insurance terms
Hold Harmless Agreement
Related glossary entry: Hold Harmless Agreement.
Agreed Scope
Related glossary entry: Agreed Scope.
Coverage B
Related glossary entry: Coverage B.
Debris Removal
Related glossary entry: Debris Removal.
Recorded Statement
Related glossary entry: Recorded Statement.
Cancellation
Related glossary entry: Cancellation.
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Your policy says more than you think. Find out what you are actually owed.
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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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