What do I do if
My jewelry sublimit is $1,500 but I lost $20,000 in jewelry.
Standard HO-3 policies cap unscheduled jewelry at $1,500 in theft. Only scheduled (riders) items get full coverage.
My jewelry sublimit is $1,500 but I lost $20,000 in jewelry.
Root cause
Why this happens
Standard HO-3 policies cap unscheduled jewelry at $1,500 in theft. Only scheduled (riders) items get full coverage.
Know the law
Your rights as a Florida policyholder
The sublimit is the policy cap unless you had a scheduled personal property endorsement. Going forward, schedule valuable items.
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What kind of damage?
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What to do
Solution steps
- 01
Step 1
Review policy riders to confirm no schedule existed
- 02
Step 2
Check for errors in how the sublimit was applied
- 03
Step 3
Consider whether a broader coverage category applies (e.g., burglary with collateral damage)
- 04
Step 4
Schedule future valuable items immediately
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Similar scenarios
Related problems
My pool cage was denied as landscaping.
Carriers sometimes miscategorize pool enclosures to apply landscaping sublimits.
Tree removal cost exceeds my sublimit.
Most policies cap tree removal at $500-$2,000. Major tree removal after storms exceeds this easily.
My carrier denied my roof claim because the roof is too old.
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
Carrier is demanding proof of ownership for every stolen item.
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
Theft denied as mysterious disappearance.
Misclassification of theft as mystery disappearance invokes exclusions.
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 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
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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?
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