Glossary · coverage
Reasonable Rental Value
Market rental equivalent for loss-of-use calculations.
Used in DP-3 policies for rental income loss. Calculated by comparable rentals in the area. Negotiable if carrier estimate is low.
In practice
Where you encounter "Reasonable Rental Value"
Policyholders see "Reasonable Rental Value" 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
Appurtenant Structures
Structures on your property attached or functionally related to the main dwelling.
Agreed Value
Policy coverage at a pre-established value, not current market value.
All-Other-Perils Deductible
The standard flat-dollar deductible for non-hurricane/storm perils.
Blanket Coverage
A single limit applies across multiple locations or coverage categories.
Builder's Risk
Insurance for property under construction.
Business Interruption
Coverage for lost income when property damage halts business.
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
Appraisal Clause
Related glossary entry: Appraisal Clause.
Underinsurance
Related glossary entry: Underinsurance.
Xactimate
Related glossary entry: Xactimate.
Company Adjuster
Related glossary entry: Company Adjuster.
Thermal Imaging
Related glossary entry: Thermal Imaging.
Exclusion Endorsement
Related glossary entry: Exclusion Endorsement.
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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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