What do I do if
I disagree with the engineer's report conclusion.
Engineers retained by carriers often produce reports narrow in scope or favorable to carrier positions.
I disagree with the engineer's report conclusion.
Root cause
Why this happens
Engineers retained by carriers often produce reports narrow in scope or favorable to carrier positions.
Know the law
Your rights as a Florida policyholder
You have the right to an independent engineering opinion.
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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
Request full engineering report
- 02
Step 2
Commission independent engineer of your choosing
- 03
Step 3
Document methodology differences
- 04
Step 4
Submit both reports with scope dispute
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Similar scenarios
Related problems
The carrier hired their own engineer.
Engineers retained by carriers frequently produce reports aligned with carrier positions.
My deductible is higher than I expected.
Hurricane and named-storm deductibles are percentage-based. Homeowners frequently miscalculate.
Carrier demands itemized receipts for every ALE expense.
ALE payments require documentation, but carriers sometimes over-demand.
I don't have a pre-loss inventory of my contents.
Most homeowners lack a formal inventory.
My personal property category exceeded its sublimit.
Firearms, business property, cash, jewelry, and electronics all have sublimits.
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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