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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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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- ✓We work for policyholders, not insurance companies
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What kind of damage?
Pick the closest match. We will ask for details next.
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
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Carriers sometimes miscategorize pool enclosures to apply landscaping sublimits.
Most policies cap tree removal at $500-$2,000. Major tree removal after storms exceeds this easily.
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
Misclassification of theft as mystery disappearance invokes exclusions.
Free claim review
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 next.
Know the law
Relevant statutes
Carrier duties and deadlines.
Notice of claim deadlines.
Public adjuster representation rights.
Go deeper
Related resources
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See also
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Free claim review
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 next.
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