Glossary · damage
Wear and Tear
Gradual deterioration, typically excluded from coverage.
Wear-and-tear exclusions are routinely overapplied to deny claims. A roof damaged by wind while also showing normal wear is still covered for the wind damage.
In practice
Where you encounter "Wear and Tear" in Florida claims
Policyholders see "Wear and Tear" 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
Wind-Driven Rain
Rain entering through a wind-created opening, typically covered.
Catastrophic Ground Cover Collapse
Mandatory-coverage sinkhole event.
Sinkhole Activity
Geological subsidence or settlement, coverage varies.
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Glossary
Related insurance terms
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Related glossary entry: Subrogation.
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Consequential Loss
Related glossary entry: Consequential Loss.
Hurricane Supplemental
Related glossary entry: Hurricane Supplemental.
Reinsurance
Related glossary entry: Reinsurance.
Category 3 Water
Related glossary entry: Category 3 Water.
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- ✓Licensed Florida public adjusters
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- ✓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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