What do I do if
Tenant damaged property I rent; claim complications.
Rental damage coverage depends on lease and policy.
Tenant damaged property I rent; claim complications.
Root cause
Why this happens
Rental damage coverage depends on lease and policy.
Know the law
Your rights
DP-3 coverage applies; security deposit and legal remedies.
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
Review lease
- 02
Step 2
Document damage at move-out
- 03
Step 3
File on DP-3 policy if exceeds deposit
- 04
Step 4
Pursue tenant in small claims
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Carrier wants an unrealistic repair timeline.
Carriers sometimes impose deadlines unsustainable for actual repair.
I need to move for work during my claim.
Life circumstances can force relocation during restoration.
Subrogation failed; I paid deductible for someone else's fault.
Subrogation sometimes fails due to evidence, statute, or defendant insolvency.
I'm too sick to handle my claim.
Illness or incapacity during claim handling.
Short-term vacation rental guest damaged property.
STR platforms have damage coverage; homeowners may exclude.
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.
Go deeper
Related resources
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Help Center
Common problems.
See also
Other common problems
How to select a public adjuster (variant 4).
Another situation Florida policyholders face mid-claim.
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Adjuster refuses to schedule inspection (standard).
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Contractor added hidden fees not in the original contract.
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Carrier disputes my contents inventory.
Another situation Florida policyholders face mid-claim.
Hurricane damage was denied as flood.
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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