What do I do if
Ongoing claim during home refinance.
Open claims can complicate refinancing.
Ongoing claim during home refinance.
Root cause
Why this happens
Open claims can complicate refinancing.
Know the law
Your rights as a Florida policyholder
Lender disclosure required. Specific loan program rules apply.
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
Disclose claim to lender
- 02
Step 2
Document claim status and expected resolution
- 03
Step 3
Coordinate with lender on requirements
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Mortgage won't release funds without licensed contractor certificate.
Servicers sometimes require documentation beyond policy requirements.
Settlement payment went to wrong party (contractor, mortgage).
Multiple payees and AOBs complicate payment flow.
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 Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
First 48 Hours
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FNOL to settlement.
Florida Law
Statutes that protect you.
Denied Claims
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Locations
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Glossary
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Damage categories.
Storms
Florida storm profiles.
Calculators
Decision tools.
Case Studies
Real recoveries.
Help Center
Common problems.
See also
Other common problems
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Another situation Florida policyholders face mid-claim.
Adjuster refuses to schedule inspection (variant 2).
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How to select a public adjuster (variant 2).
Another situation Florida policyholders face mid-claim.
Flood claim denied when source was plumbing.
Another situation Florida policyholders face mid-claim.
Tree removal cost exceeds my sublimit.
Another situation Florida policyholders face mid-claim.
Carrier applied hurricane deductible when not triggered.
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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