What do I do if
Carrier refused to pay code upgrades as "betterment".
Ordinance or law coverage is distinct from betterment. Carriers sometimes conflate.
Carrier refused to pay code upgrades as "betterment".
Root cause
Why this happens
Ordinance or law coverage is distinct from betterment. Carriers sometimes conflate.
Know the law
Your rights as a Florida policyholder
If code-required during rebuild, ordinance or law should apply (endorsement-dependent).
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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 ordinance or law coverage in policy
- 02
Step 2
Document code requirements for rebuild
- 03
Step 3
Submit detailed breakdown separating code upgrade from betterment
- 04
Step 4
Escalate with code citations
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
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Similar scenarios
Related problems
My contractor's estimate doesn't match the carrier's scope.
Different methodologies, pricing lists, and scope assumptions.
Carrier says matching is not required.
FS 626.9744 governs matching, but carriers narrow its application.
Carrier applied roof age-based ACV even though policy should be RCV.
Some Florida policies have roof age endorsements that downgrade coverage.
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 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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