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).
Free claim review
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 next.
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.
Licensed Florida public adjuster. No fee unless we recover more.
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Free claim review
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 next.
Know the law
Relevant statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
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See also
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Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Free claim review
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 next.
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