What do I do if
Carrier applied roof age-based ACV even though policy should be RCV.
Some Florida policies have roof age endorsements that downgrade coverage.
Carrier applied roof age-based ACV even though policy should be RCV.
Root cause
Why this happens
Some Florida policies have roof age endorsements that downgrade coverage.
Know the law
Your rights as a Florida policyholder
Read the dec page and endorsements. If endorsement is absent, full RCV should apply.
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We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
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- ✓We work for policyholders, not insurance companies
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What kind of damage?
Pick the closest match. We will ask for details next.
What to do
Solution steps
- 01
Step 1
Review dec page and endorsements
- 02
Step 2
Verify endorsement was properly disclosed
- 03
Step 3
Dispute ACV treatment if no valid endorsement
- 04
Step 4
Request depreciation release under RCV terms
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
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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
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
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See also
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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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