What do I do if
Carrier reduced settlement because repairs used unlicensed contractor.
Some policies require licensed contractors for RCV reimbursement.
Carrier reduced settlement because repairs used unlicensed contractor.
Root cause
Why this happens
Some policies require licensed contractors for RCV reimbursement.
Know the law
Your rights as a Florida policyholder
Review policy language. Often a technicality rather than substantive basis.
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Get a free claim review from a licensed Florida public adjuster.
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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?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Review policy licensed-contractor language
- 02
Step 2
Verify contractor licensing history
- 03
Step 3
Dispute if contractor was in fact licensed during performance
- 04
Step 4
Produce permits as alternative evidence
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
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Similar scenarios
Related problems
Free claim review
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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 right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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See also
Other common problems
Electrical panel damaged by water; safety concern.
Another situation Florida policyholders face mid-claim.
Material availability delays repair (variant 3).
Another situation Florida policyholders face mid-claim.
Carrier or vendor won't return personal items packed out.
Another situation Florida policyholders face mid-claim.
Client property damaged at home (home business context).
Another situation Florida policyholders face mid-claim.
Security camera/alarm system damaged.
Another situation Florida policyholders face mid-claim.
Carrier ignored my appraisal demand.
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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