What do I do if
Guest house or in-law suite damaged.
Separate structures have different coverage rules.
Guest house or in-law suite damaged.
Root cause
Why this happens
Separate structures have different coverage rules.
Know the law
Your rights
Coverage depends on attachment and use.
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.
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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
Classify structure (attached vs detached)
- 02
Step 2
Review rental use if applicable
- 03
Step 3
File under correct coverage (A or B)
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
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Enclosed porch damaged.
Enclosed porches classified differently than screen enclosures.
Carport damaged in storm.
Carports typically Coverage B.
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.
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Common problems.
See also
Other common problems
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My supplemental claim was denied.
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Contractor subcontracted without my approval.
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Vintage car damaged in garage.
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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