Glossary · coverage
Scheduled Personal Property
Specific high-value items listed and insured above sublimits.
A rider that itemizes valuable items (rings, watches, firearms, fine art) with specific values, eliminating the sublimit cap for those items.
In practice
Where you encounter "Scheduled Personal Property" in Florida claims
Policyholders see "Scheduled Personal Property" 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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Related terms
Actual Cash Value
The depreciated value of damaged property.
Replacement Cost Value
The full cost to replace damaged property at current prices.
Hurricane Deductible
A percentage-based deductible for named hurricanes.
Coverage A
Dwelling coverage for the structure of your home.
Coverage B
Other Structures coverage.
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Where else this term matters
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Glossary
Related insurance terms
Dehumidification
Related glossary entry: Dehumidification.
Examination Under Oath Waiver
Related glossary entry: Examination Under Oath Waiver.
Prior Approval Rate
Related glossary entry: Prior Approval Rate.
Mitigation Cost
Related glossary entry: Mitigation Cost.
Surplus Lines
Related glossary entry: Surplus Lines.
Scope of Loss
Related glossary entry: Scope of Loss.
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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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