What do I do if
My damage clearly exceeds my policy limits.
Under-insurance shortfall.
My damage clearly exceeds my policy limits.
Root cause
Why this happens
Under-insurance shortfall.
Know the law
Your rights
Limited to coverage. Extended or ordinance-or-law may help.
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 endorsements for extended replacement cost
- 02
Step 2
Maximize ordinance or law coverage
- 03
Step 3
Budget personal resources for gap
- 04
Step 4
Increase Coverage A at renewal
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Specimen trees destroyed.
Landscaping sublimit cap.
Firearms theft exceeded unscheduled sublimit.
Firearms sublimit typically $2,500 unless scheduled.
Collectibles theft undervalued.
Collectibles sublimit typically $2,500.
Hurricane deductible applied multiple times in one season.
Florida law addresses hurricane deductibles within calendar year.
Wine cellar damaged; contents affected.
Wine collection may exceed contents sublimit.
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 adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
Go deeper
Related resources
First 48 Hours
Emergency playbooks.
Claim Process
FNOL to settlement.
Florida Law
Statutes.
Denied Claims
Denial reasons.
Carriers
Carrier profiles.
Locations
All 67 counties.
Glossary
Claim terms.
Claim Types
Damage categories.
Storms
Florida storm profiles.
Calculators
Decision tools.
Case Studies
Real recoveries.
Help Center
Common problems.
See also
Other common problems
Repair contractors quoting gouged prices post-storm.
Another situation Florida policyholders face mid-claim.
Wrong deductible applied to claim (variant 4).
Another situation Florida policyholders face mid-claim.
Whole-house generator damaged.
Another situation Florida policyholders face mid-claim.
Irrigation/sprinkler system damaged.
Another situation Florida policyholders face mid-claim.
My deductible is higher than I expected.
Another situation Florida policyholders face mid-claim.
Carrier denied reopening after I found new damage.
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.
Florida claim updates
One email a month. No fluff.
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more