What do I do if
Permits are holding up my repairs.
Post-disaster permit backlogs at municipal level are common.
Permits are holding up my repairs.
Root cause
Why this happens
Post-disaster permit backlogs at municipal level are common.
Know the law
Your rights as a Florida policyholder
Your ALE coverage extends during permit delays. Document every delay.
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What kind of damage?
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What to do
Solution steps
- 01
Step 1
Continue ALE claims during delays
- 02
Step 2
Engage expeditor if available
- 03
Step 3
Work with carrier for extended ALE approval
- 04
Step 4
Document delay causes carefully
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Similar scenarios
Related problems
The carrier is delaying inspection of my fire damage.
Carrier backlog, complex causation investigation, or subrogation issues can delay fire inspections.
My ALE is capped too low to cover extended-stay housing.
ALE (Coverage D) is typically 10-20% of Coverage A. If your home is uninhabitable for a long time, the cap may be insufficient.
Carrier-selected sinkhole testing minimized the damage.
Carrier-selected geotechnical firms may find less damage than independent firms.
The carrier's sinkhole repair plan is inadequate.
Compaction grouting is the cheapest option. Underpinning or demolition-rebuild may be more appropriate depending on severity.
The driver who hit my house was uninsured.
No uninsured-motorist coverage exists for homes (only auto). Your homeowners policy responds.
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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See also
Other common problems
Material availability delays repair (variant 2).
Another situation Florida policyholders face mid-claim.
A roofer is pressuring me to sign an AOB after a storm.
Another situation Florida policyholders face mid-claim.
Repairs aren't done but carrier issued non-renewal.
Another situation Florida policyholders face mid-claim.
Water heater leak damage denied as gradual.
Another situation Florida policyholders face mid-claim.
Policy language is ambiguous and carrier interprets against me.
Another situation Florida policyholders face mid-claim.
Short-term vacation rental guest damaged property.
Another situation Florida policyholders face mid-claim.
Free claim review
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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?
Pick the closest match. We will ask for details later.
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