What do I do if
My spouse died; how does this affect our policy?
Named insured death affects policy rights.
My spouse died; how does this affect our policy?
Root cause
Why this happens
Named insured death affects policy rights.
Know the law
Your rights
Surviving spouse retains coverage rights.
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
Notify carrier of change
- 02
Step 2
Update named insured if needed
- 03
Step 3
Verify no coverage gaps
- 04
Step 4
Review beneficiary designations
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
My claim affected my credit rating.
Claim history can affect insurance-specific credit scores.
Enclosed porch damaged.
Enclosed porches classified differently than screen enclosures.
Carport damaged in storm.
Carports typically Coverage B.
Guest house or in-law suite damaged.
Separate structures have different coverage rules.
Chicken coop, greenhouse, or other specialty outbuilding damaged.
Specialty structures may or may not be covered.
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.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Bill of Rights.
FS 626.9744
Matching.
Go deeper
Related resources
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Help Center
Common problems.
See also
Other common problems
Adjuster refuses to schedule inspection (standard).
Another situation Florida policyholders face mid-claim.
Contractor added hidden fees not in the original contract.
Another situation Florida policyholders face mid-claim.
Carrier disputes my contents inventory.
Another situation Florida policyholders face mid-claim.
Hurricane damage was denied as flood.
Another situation Florida policyholders face mid-claim.
Temporary tarp is still up months later.
Another situation Florida policyholders face mid-claim.
Scope change order denial (variant 3).
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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