Glossary · coverage
Named Peril
A specific listed cause of loss.
Named peril policies (like HO-2) only cover perils specifically listed. Open peril (HO-3 dwelling) covers everything except specifically excluded perils.
In practice
Where you encounter "Named Peril" in Florida claims
Policyholders see "Named Peril" 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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We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
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Know these too
Related terms
The depreciated value of damaged property.
The full cost to replace damaged property at current prices.
A percentage-based deductible for named hurricanes.
Dwelling coverage for the structure of your home.
Other Structures coverage.
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
Where else this term matters
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Glossary
Related insurance terms
Related glossary entry: Concealment.
Related glossary entry: Non-Admitted Carrier.
Related glossary entry: Sales Tax.
Related glossary entry: Contractors Pollution Liability.
Related glossary entry: Tortfeasor.
Related glossary entry: Florida Statute 626.854.
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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