What do I do if
The carrier lowballed my fire contents claim.
Contents claims are typically underscoped because homeowners lack documentation and carriers offer flat settlements.
The carrier lowballed my fire contents claim.
Root cause
Why this happens
Contents claims are typically underscoped because homeowners lack documentation and carriers offer flat settlements.
Know the law
Your rights as a Florida policyholder
You are entitled to Replacement Cost Value if your policy includes RCV for contents. Itemize, document, and dispute undervaluation.
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.
What to do
Solution steps
- 01
Step 1
Complete a detailed inventory with brand, model, age, condition
- 02
Step 2
Gather proof of ownership (photos, receipts, statements)
- 03
Step 3
Request RCV settlement not ACV
- 04
Step 4
Consult a public adjuster for contents-heavy claims
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
My adjuster lowballed the estimate.
Carrier adjusters often produce initial scopes that materially underestimate damage. Their scope is the first number, not the last.
The carrier only pays for smoke damage in the room that burned.
Smoke migrates through HVAC and contaminates the entire home. Carriers often limit smoke coverage to the fire room.
Carrier authorized partial roof repair when matching is impossible.
Carriers frequently authorize partial repair to limit exposure even when matching is impossible.
Carrier is withholding depreciation on my personal property.
RCV-for-contents policies withhold depreciation until proof of replacement.
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 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
Go deeper
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See also
Other common problems
Carrier says matching is not required.
Another situation Florida policyholders face mid-claim.
Carrier misapplied policy limits to damage.
Another situation Florida policyholders face mid-claim.
Construction debris from neighbor's work damaged my home.
Another situation Florida policyholders face mid-claim.
Wrong deductible applied to claim (standard).
Another situation Florida policyholders face mid-claim.
Contractor bond payout dispute (standard).
Another situation Florida policyholders face mid-claim.
Adjuster refuses to schedule inspection (variant 4).
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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