Glossary · damage
Pre-Existing Condition
Damage that existed before the loss event.
Often cited in denials. Distinguishing pre-existing from storm-caused requires photographic evidence and expert analysis. Real estate listing photos are common defeaters.
In practice
Where you encounter "Pre-Existing Condition"
Policyholders see "Pre-Existing Condition" 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
Consequential Loss
Damage resulting indirectly from a covered peril.
Constructive Total Loss
Repair costs exceed the replacement value; settle at total loss.
Frozen Pipe Damage
Water damage from burst pipes in freeze conditions.
Progressive Loss
Damage that worsens over time after initial event.
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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What kind of damage?
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Related resources
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Glossary
Related insurance terms
Salvage
Related glossary entry: Salvage.
Lloyd's Syndicate
Related glossary entry: Lloyd's Syndicate.
Release
Related glossary entry: Release.
Endorsement
Related glossary entry: Endorsement.
Statute of Limitations
Related glossary entry: Statute of Limitations.
Covered Cause of Loss
Related glossary entry: Covered Cause of Loss.
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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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