What do I do if
Specialty items (art, antiques, collectibles) undervalued.
Carriers default to standard valuation for specialty items.
Specialty items (art, antiques, collectibles) undervalued.
Root cause
Why this happens
Carriers default to standard valuation for specialty items.
Know the law
Your rights as a Florida policyholder
Appraisal or expert valuation can establish proper value.
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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
Obtain professional appraisal
- 02
Step 2
Document provenance and market comparables
- 03
Step 3
Submit with supplemental claim
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Carrier engineer report appears biased toward carrier.
Engineers retained by carriers often produce favorable conclusions.
Carrier disputes my contents inventory.
Contents inventory valuation and completeness are common dispute areas.
Pool equipment damaged, coverage unclear.
Pool equipment falls under varying coverage categories.
Building codes changed during my repair; costs are higher.
Code updates during lengthy claims can add costs.
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
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Common problems.
See also
Other common problems
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Depreciation release significantly delayed (standard).
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Mortgage servicer disbursement dispute (standard).
Another situation Florida policyholders face mid-claim.
Wrong deductible applied to claim (variant 3).
Another situation Florida policyholders face mid-claim.
My adjuster lowballed the estimate.
Another situation Florida policyholders face mid-claim.
Carrier threatened non-renewal if I file a claim.
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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