What do I do if
Carrier is withholding depreciation on my personal property.
RCV-for-contents policies withhold depreciation until proof of replacement.
Carrier is withholding depreciation on my personal property.
Root cause
Why this happens
RCV-for-contents policies withhold depreciation until proof of replacement.
Know the law
Your rights as a Florida policyholder
You receive depreciation back once replacement is proven, per policy terms.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Save receipts for every replacement
- 02
Step 2
Submit replacement documentation to carrier
- 03
Step 3
Request depreciation release with each batch
- 04
Step 4
Follow policy timelines for depreciation claim
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Similar scenarios
Related problems
My adjuster lowballed the estimate.
Carrier adjusters often produce initial scopes that materially underestimate damage. Their scope is the first number, not the last.
The carrier lowballed my fire contents claim.
Contents claims are typically underscoped because homeowners lack documentation and carriers offer flat settlements.
The carrier only pays for smoke damage in the room that burned.
Smoke migrates through HVAC and contaminates the entire home. Carriers often limit smoke coverage to the fire room.
Carrier authorized partial roof repair when matching is impossible.
Carriers frequently authorize partial repair to limit exposure even when matching is impossible.
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
Contractor filed a lien on my home.
Another situation Florida policyholders face mid-claim.
Replacement cost exceeds my policy limit.
Another situation Florida policyholders face mid-claim.
Storage unit contents damaged.
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Emergency services billing dispute (variant 3).
Another situation Florida policyholders face mid-claim.
Coverage definition ambiguous in policy (variant 4).
Another situation Florida policyholders face mid-claim.
Enclosed porch damaged.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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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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