What do I do if
Carrier-selected sinkhole testing minimized the damage.
Carrier-selected geotechnical firms may find less damage than independent firms.
Carrier-selected sinkhole testing minimized the damage.
Root cause
Why this happens
Carrier-selected geotechnical firms may find less damage than independent firms.
Know the law
Your rights as a Florida policyholder
You can commission independent testing. Florida Statute 627.706 provides dispute mechanisms.
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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
Commission independent geotechnical testing
- 02
Step 2
Commission independent structural engineer evaluation
- 03
Step 3
Compare findings line-by-line
- 04
Step 4
Invoke FS 627.7015 mediation if necessary
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Similar scenarios
Related problems
The carrier is delaying inspection of my fire damage.
Carrier backlog, complex causation investigation, or subrogation issues can delay fire inspections.
My ALE is capped too low to cover extended-stay housing.
ALE (Coverage D) is typically 10-20% of Coverage A. If your home is uninhabitable for a long time, the cap may be insufficient.
The carrier's sinkhole repair plan is inadequate.
Compaction grouting is the cheapest option. Underpinning or demolition-rebuild may be more appropriate depending on severity.
The driver who hit my house was uninsured.
No uninsured-motorist coverage exists for homes (only auto). Your homeowners policy responds.
Citizens Property Insurance took over my policy from an insolvent carrier.
When Florida carriers become insolvent, Citizens or FIGA absorbs policies.
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
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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?
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