What do I do if
Art collection damaged in event.
Art typically requires scheduled coverage.
Art collection damaged in event.
Root cause
Why this happens
Art typically requires scheduled coverage.
Know the law
Your rights
Scheduled items pay at agreed value.
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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
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Obtain conservator assessment
- 02
Step 2
File per rider terms
- 03
Step 3
Coordinate conservation with carrier
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
My damage clearly exceeds my policy limits.
Under-insurance shortfall.
Specimen trees destroyed.
Landscaping sublimit cap.
Firearms theft exceeded unscheduled sublimit.
Firearms sublimit typically $2,500 unless scheduled.
Collectibles theft undervalued.
Collectibles sublimit typically $2,500.
Hurricane deductible applied multiple times in one season.
Florida law addresses hurricane deductibles within calendar year.
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.
Know the law
Relevant statutes
FS 626.854
Public adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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Common problems.
See also
Other common problems
Multiple contractor coordination complications (variant 2).
Another situation Florida policyholders face mid-claim.
Weather delays during repair affect claim (variant 3).
Another situation Florida policyholders face mid-claim.
Mechanical room damage not scoped.
Another situation Florida policyholders face mid-claim.
Theft denied as mysterious disappearance.
Another situation Florida policyholders face mid-claim.
Carpet wicking caused damage beyond immediate area.
Another situation Florida policyholders face mid-claim.
Municipal permits add substantial costs.
Another situation Florida policyholders face mid-claim.
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.
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