What do I do if
Contractor overcharged for repairs.
Contractor billing exceeds estimated scope.
Contractor overcharged for repairs.
Root cause
Why this happens
Contractor billing exceeds estimated scope.
Know the law
Your rights as a Florida policyholder
Contract terms govern. Written change orders required for additions.
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
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- ✓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
Compare invoices to signed contract
- 02
Step 2
Identify unauthorized charges
- 03
Step 3
Dispute with contractor in writing
- 04
Step 4
Withhold final payment until resolved
- 05
Step 5
Consider small claims or DBPR complaint
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
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 did extra work without authorization.
Scope creep without change orders.
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
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Help Center
Common problems.
See also
Other common problems
Contractor left work unfinished and claimed payment.
Another situation Florida policyholders face mid-claim.
Bicycle collection damaged or stolen.
Another situation Florida policyholders face mid-claim.
Multi-event damage allocation dispute (variant 3).
Another situation Florida policyholders face mid-claim.
Scope document has multiple revisions (variant 4).
Another situation Florida policyholders face mid-claim.
Stacked washer/dryer damaged.
Another situation Florida policyholders face mid-claim.
Citizens Property Insurance took over my policy from an insolvent carrier.
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.
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