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.
Free claim review
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 next.
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)
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Standard HO-3 policies cap unscheduled jewelry at $1,500 in theft. Only scheduled (riders) items get full coverage.
Carriers sometimes miscategorize pool enclosures to apply landscaping sublimits.
Most policies cap tree removal at $500-$2,000. Major tree removal after storms exceeds this easily.
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
Free claim review
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 next.
Know the law
Relevant statutes
Carrier duties and deadlines.
Notice of claim deadlines.
Public adjuster representation rights.
Go deeper
Related resources
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See also
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Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Free claim review
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 next.
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