What do I do if
My personal property category exceeded its sublimit.
Firearms, business property, cash, jewelry, and electronics all have sublimits.
My personal property category exceeded its sublimit.
Root cause
Why this happens
Firearms, business property, cash, jewelry, and electronics all have sublimits.
Know the law
Your rights as a Florida policyholder
Sublimits are the policy cap unless you scheduled items.
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 policy sublimits
- 02
Step 2
Verify classification is correct
- 03
Step 3
Schedule high-value categories at renewal
- 04
Step 4
Negotiate categorization if items could qualify differently
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
The carrier hired their own engineer.
Engineers retained by carriers frequently produce reports aligned with carrier positions.
My deductible is higher than I expected.
Hurricane and named-storm deductibles are percentage-based. Homeowners frequently miscalculate.
Carrier demands itemized receipts for every ALE expense.
ALE payments require documentation, but carriers sometimes over-demand.
I don't have a pre-loss inventory of my contents.
Most homeowners lack a formal inventory.
I disagree with the engineer's report conclusion.
Engineers retained by carriers often produce reports narrow in scope or favorable to carrier positions.
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 right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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Help Center
Common problems answered.
See also
Other common problems
Crawl space damage not scoped.
Another situation Florida policyholders face mid-claim.
Neighbor's fire spread to my house.
Another situation Florida policyholders face mid-claim.
Neighbor's construction damaged my property.
Another situation Florida policyholders face mid-claim.
Request for adjuster inspection report (variant 4).
Another situation Florida policyholders face mid-claim.
Stamp or coin collection stolen or damaged.
Another situation Florida policyholders face mid-claim.
Carrier wants to depose my experts.
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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