What do I do if
Carrier applied hurricane deductible when not triggered.
Hurricane deductibles apply only when a named hurricane meets policy criteria at loss time.
Carrier applied hurricane deductible when not triggered.
Root cause
Why this happens
Hurricane deductibles apply only when a named hurricane meets policy criteria at loss time.
Know the law
Your rights as a Florida policyholder
Apply only the correct deductible. FS 627.7011 governs triggers.
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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
Verify hurricane classification at time of loss
- 02
Step 2
Compare to policy trigger language
- 03
Step 3
Submit correction request
- 04
Step 4
Escalate if dismissed
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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.
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See also
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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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