What do I do if
Contractor did extra work without authorization.
Scope creep without change orders.
Contractor did extra work without authorization.
Root cause
Why this happens
Scope creep without change orders.
Know the law
Your rights as a Florida policyholder
Extra work without written change order may not be owed.
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 contract for change-order requirements
- 02
Step 2
Document unauthorized work
- 03
Step 3
Dispute charges
- 04
Step 4
Refuse payment for work without change order
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Contractor overcharged for repairs.
Contractor billing exceeds estimated scope.
Contractor filed a lien on my home.
Non-payment disputes or payment-per-phase issues.
Contractor subcontracted without my approval.
Contract may or may not permit subcontracting.
I signed something under pressure and want to rescind.
High-pressure signing situations (post-storm, contractor visits).
Contractor left work unfinished and claimed payment.
Abandonment before completion is breach.
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
First 48 Hours
Emergency playbooks.
Claim Process
FNOL to settlement.
Florida Law
Statutes that protect you.
Denied Claims
Every denial reason.
Carriers
Florida carrier profiles.
Locations
All 67 counties.
Glossary
Every claim term.
Claim Types
Damage categories.
Storms
Florida storm profiles.
Calculators
Decision tools.
Case Studies
Real recoveries.
Help Center
Common problems.
See also
Other common problems
Home security system damaged during event.
Another situation Florida policyholders face mid-claim.
Carrier claims to have lost submitted documents (variant 2).
Another situation Florida policyholders face mid-claim.
Request for adjuster inspection report (variant 2).
Another situation Florida policyholders face mid-claim.
Filed multiple claims; carrier threatens non-renewal.
Another situation Florida policyholders face mid-claim.
Tree fell on my car. Homeowners says auto. Auto says homeowners.
Another situation Florida policyholders face mid-claim.
Carrier applied roof age-based ACV even though policy should be RCV.
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