What do I do if
Carrier misapplied policy limits to damage.
Carriers sometimes apply wrong category limits.
Carrier misapplied policy limits to damage.
Root cause
Why this happens
Carriers sometimes apply wrong category limits.
Know the law
Your rights as a Florida policyholder
Correct limit application is a contractual requirement.
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
Review dec page and policy
- 02
Step 2
Identify correct limits for damage category
- 03
Step 3
Dispute misapplication with policy citation
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Fence damage limited to Coverage B sublimit.
Fences fall under Other Structures coverage.
Hurricane deductible applied to non-hurricane damage.
Carriers sometimes misapply hurricane deductible to standard perils.
Carrier non-renewed after my claim.
Post-claim non-renewal is permitted but regulated.
Underwriting inspection flagged issues I must fix.
Renewal inspections identify conditions that must be addressed.
Carrier threatening to drop me for small claim.
Any claim can affect renewability in Florida market.
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 representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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Help Center
Common problems.
See also
Other common problems
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.
The carrier is pushing for a recorded statement.
Another situation Florida policyholders face mid-claim.
My personal property category exceeded its sublimit.
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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