What do I do if
Carrier claims my renovations voided coverage.
Material changes to property that aren't disclosed can affect underwriting.
Carrier claims my renovations voided coverage.
Root cause
Why this happens
Material changes to property that aren't disclosed can affect underwriting.
Know the law
Your rights as a Florida policyholder
Minor renovations typically don't void coverage. Major changes (square footage, pool, structural) should be disclosed.
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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
Review permits and documentation
- 02
Step 2
Show prior correspondence with carrier
- 03
Step 3
Argue material-materiality test
- 04
Step 4
If coverage voided, claim remedies for misrepresentation (if any)
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Similar scenarios
Related problems
My jewelry sublimit is $1,500 but I lost $20,000 in jewelry.
Standard HO-3 policies cap unscheduled jewelry at $1,500 in theft. Only scheduled (riders) items get full coverage.
My pool cage was denied as landscaping.
Carriers sometimes miscategorize pool enclosures to apply landscaping sublimits.
Tree removal cost exceeds my sublimit.
Most policies cap tree removal at $500-$2,000. Major tree removal after storms exceeds this easily.
My carrier denied my roof claim because the roof is too old.
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
Carrier is demanding proof of ownership for every stolen item.
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
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
Multiple adjusters gave me conflicting information.
Another situation Florida policyholders face mid-claim.
Carrier sent inexperienced inspector who missed scope.
Another situation Florida policyholders face mid-claim.
Smart home devices destroyed.
Another situation Florida policyholders face mid-claim.
Coverage definition ambiguous in policy (variant 2).
Another situation Florida policyholders face mid-claim.
Depreciation release significantly delayed (variant 3).
Another situation Florida policyholders face mid-claim.
Jewelry appraisal is outdated; value higher now.
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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