What do I do if
Filed multiple claims; carrier threatens non-renewal.
Multiple claims trigger underwriting review.
Filed multiple claims; carrier threatens non-renewal.
Root cause
Why this happens
Multiple claims trigger underwriting review.
Know the law
Your rights
Non-renewal must have legally valid basis, not just claim frequency.
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
Evaluate each claim necessity
- 02
Step 2
Prepare replacement coverage proactively
- 03
Step 3
Consider Citizens if private market unavailable
- 04
Step 4
Ensure FS 627.4133 compliance on any non-renewal
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
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.
Home office business equipment damaged.
Business property sublimit on HO-3.
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.
Go deeper
Related resources
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Common problems.
See also
Other common problems
Tree fell on my car. Homeowners says auto. Auto says homeowners.
Another situation Florida policyholders face mid-claim.
Carrier applied roof age-based ACV even though policy should be RCV.
Another situation Florida policyholders face mid-claim.
I signed a partial settlement and now realize it released everything.
Another situation Florida policyholders face mid-claim.
Lightning damage without direct strike to my home.
Another situation Florida policyholders face mid-claim.
Catastrophic claim handling delays (standard).
Another situation Florida policyholders face mid-claim.
Scope document has multiple revisions (standard).
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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