What do I do if
Home office business equipment damaged.
Business property sublimit on HO-3.
Home office business equipment damaged.
Root cause
Why this happens
Business property sublimit on HO-3.
Know the law
Your rights
Review policy business property sublimit.
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
Document business equipment separately
- 02
Step 2
Review sublimit
- 03
Step 3
Consider business-pursuits endorsement
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Filed multiple claims; carrier threatens non-renewal.
Multiple claims trigger underwriting review.
Boat or RV damaged during storm.
Specialty vehicles need separate coverage.
Pool and pool equipment damaged.
Pool structures may fall under Coverage A or Coverage B with specific sublimits.
Business interruption from home office damage.
Home-office business interruption requires specific coverage.
Lost short-term rental income.
STR coverage varies; may require specific endorsement.
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 representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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Common problems.
See also
Other common problems
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Carrier claims to have lost submitted documents (variant 2).
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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.
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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