Glossary · process
Third-Party Claim
A claim filed against someone else's insurance policy.
Third-party claims arise when someone else causes your loss. Auto accidents, dog bites, and contractor errors are common third-party claim contexts. Your homeowners subrogation is a third-party claim on the at-fault party's policy.
In practice
Where you encounter "Third-Party Claim" in Florida claims
Policyholders see "Third-Party Claim" 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 and FS 627.70131.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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.
Know these too
Related terms
First-Party Claim
A claim you file against your own insurance policy.
Claims History
Record of your past insurance claims.
CLUE Report
Comprehensive Loss Underwriting Exchange report of claim history.
Inspection
On-site assessment of damage by a carrier representative.
Mitigation Cost
Reimbursable expenses for emergency damage prevention.
Reserve
Carrier-set aside funds earmarked for a claim.
Know the law
Related statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Free claim review
Still building your claim? We can help right now.
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 later.
Go deeper
Where else this term matters
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
Carriers
Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
No obligation. No fee unless recovery.
Need a claim reviewed? A licensed Florida public adjuster can help.
Free review. No fee unless we recover more.
Glossary
Related insurance terms
Loss of Income
Related glossary entry: Loss of Income.
Public Adjuster
Related glossary entry: Public Adjuster.
Non-Renewal
Related glossary entry: Non-Renewal.
Named Perils
Related glossary entry: Named Perils.
Expiration Date
Related glossary entry: Expiration Date.
Constructive Total Loss
Related glossary entry: Constructive Total Loss.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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 later.
Browse more