What do I do if
Storage unit contents damaged.
Off-premises coverage has different rules.
Storage unit contents damaged.
Root cause
Why this happens
Off-premises coverage has different rules.
Know the law
Your rights
Typically 10% of Coverage C for off-premises contents.
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 off-premises coverage
- 02
Step 2
File with sublimit application
- 03
Step 3
Consider storage facility insurance separately
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Filed multiple claims; carrier threatens non-renewal.
Multiple claims trigger underwriting review.
Boat or RV damaged during storm.
Specialty vehicles need separate coverage.
Pool and pool equipment damaged.
Pool structures may fall under Coverage A or Coverage B with specific sublimits.
Home office business equipment damaged.
Business property sublimit on HO-3.
Business interruption from home office damage.
Home-office business interruption requires specific coverage.
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 adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
Go deeper
Related resources
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Common problems.
See also
Other common problems
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.
Advance payment not reconciled against final settlement.
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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