What do I do if
Carrier is demanding proof of ownership for every stolen item.
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
Carrier is demanding proof of ownership for every stolen item.
Root cause
Why this happens
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
Know the law
Your rights as a Florida policyholder
Proof is flexible. Receipts, photos, credit card records, warranty registrations, witness statements all qualify.
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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
Gather what you have
- 02
Step 2
Submit partial proof for each category
- 03
Step 3
Request the carrier specify exactly what they need and why
- 04
Step 4
Refuse to walk away from items simply because receipts are missing
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Similar scenarios
Related problems
My jewelry sublimit is $1,500 but I lost $20,000 in jewelry.
Standard HO-3 policies cap unscheduled jewelry at $1,500 in theft. Only scheduled (riders) items get full coverage.
My pool cage was denied as landscaping.
Carriers sometimes miscategorize pool enclosures to apply landscaping sublimits.
Tree removal cost exceeds my sublimit.
Most policies cap tree removal at $500-$2,000. Major tree removal after storms exceeds this easily.
My carrier denied my roof claim because the roof is too old.
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
Theft denied as mysterious disappearance.
Misclassification of theft as mystery disappearance invokes exclusions.
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
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Another situation Florida policyholders face mid-claim.
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The carrier keeps reassigning my adjuster.
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Another situation Florida policyholders face mid-claim.
I signed something under pressure and want to rescind.
Another situation Florida policyholders face mid-claim.
Tenant damaged property I rent; claim complications.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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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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