What do I do if
The carrier hired their own engineer.
Engineers retained by carriers frequently produce reports aligned with carrier positions.
The carrier hired their own engineer.
Root cause
Why this happens
Engineers retained by carriers frequently produce reports aligned with carrier positions.
Know the law
Your rights as a Florida policyholder
You can commission an independent engineer. Their opinion carries equal weight.
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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.
What to do
Solution steps
- 01
Step 1
Request a copy of the engineer's report
- 02
Step 2
Review methodology and conclusions
- 03
Step 3
Commission independent engineering review
- 04
Step 4
Document discrepancies
- 05
Step 5
Submit as supplemental or appraisal evidence
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Similar scenarios
Related problems
My deductible is higher than I expected.
Hurricane and named-storm deductibles are percentage-based. Homeowners frequently miscalculate.
Carrier demands itemized receipts for every ALE expense.
ALE payments require documentation, but carriers sometimes over-demand.
I don't have a pre-loss inventory of my contents.
Most homeowners lack a formal inventory.
My personal property category exceeded its sublimit.
Firearms, business property, cash, jewelry, and electronics all have sublimits.
I disagree with the engineer's report conclusion.
Engineers retained by carriers often produce reports narrow in scope or favorable to carrier positions.
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 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.
Go deeper
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See also
Other common problems
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Carrier won't provide me a copy of my policy.
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Neighbor's tree service damaged my property.
Another situation Florida policyholders face mid-claim.
Free claim review
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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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