What do I do if
Replacement cost exceeds my policy limit.
Insurance-to-value shortfall.
Replacement cost exceeds my policy limit.
Root cause
Why this happens
Insurance-to-value shortfall.
Know the law
Your rights as a Florida policyholder
Extended replacement cost or ordinance or law may fill gap.
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 endorsements for extended coverage
- 02
Step 2
Document code-required upgrade costs for ordinance or law
- 03
Step 3
Increase Coverage A at renewal
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Fence damage limited to Coverage B sublimit.
Fences fall under Other Structures coverage.
Hurricane deductible applied to non-hurricane damage.
Carriers sometimes misapply hurricane deductible to standard perils.
Carrier non-renewed after my claim.
Post-claim non-renewal is permitted but regulated.
Underwriting inspection flagged issues I must fix.
Renewal inspections identify conditions that must be addressed.
Carrier misapplied policy limits to damage.
Carriers sometimes apply wrong category limits.
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 representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
First 48 Hours
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FNOL to settlement.
Florida Law
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Every denial reason.
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Florida carrier profiles.
Locations
All 67 counties.
Glossary
Every claim term.
Claim Types
Damage categories.
Storms
Florida storm profiles.
Calculators
Decision tools.
Case Studies
Real recoveries.
Help Center
Common problems.
See also
Other common problems
Storage unit contents damaged.
Another situation Florida policyholders face mid-claim.
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.
FIGA is handling my claim after carrier insolvency.
Another situation Florida policyholders face mid-claim.
Carrier denied HVAC replacement citing age.
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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