What do I do if
Structural damage missed in initial scope.
Structural issues often require engineer to identify.
Structural damage missed in initial scope.
Root cause
Why this happens
Structural issues often require engineer to identify.
Know the law
Your rights as a Florida policyholder
Engineer review can establish scope.
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
Commission structural engineer
- 02
Step 2
Document findings
- 03
Step 3
Submit supplemental claim with report
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Carrier denied ALE because I'm staying with family.
Carriers sometimes argue no ALE applies if housing is free.
Carrier denied HVAC replacement citing age.
Some policies age-restrict HVAC coverage.
Carrier authorized partial flooring replacement that doesn't match.
Matching issues with tile, hardwood, vinyl.
Carrier denied debris removal charges.
Debris removal coverage has specific limits and conditions.
Personal property settlement was far less than replacement cost.
Depreciation and undervaluation common with flat offers.
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
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Storms
Florida storm profiles.
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Real recoveries.
Help Center
Common problems.
See also
Other common problems
Vehicle flooded at my property during storm.
Another situation Florida policyholders face mid-claim.
Carrier claims to have lost submitted documents (standard).
Another situation Florida policyholders face mid-claim.
My pool cage was denied as landscaping.
Another situation Florida policyholders face mid-claim.
Hurricane evacuation costs not reimbursed.
Another situation Florida policyholders face mid-claim.
I can't afford repairs before the carrier reimburses me.
Another situation Florida policyholders face mid-claim.
Carrier classified my roof damage as non-covered when it was clearly wind.
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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