What do I do if
Vintage car damaged in garage.
Vehicles excluded from homeowners.
Vintage car damaged in garage.
Root cause
Why this happens
Vehicles excluded from homeowners.
Know the law
Your rights
Collector car insurance covers vehicle.
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
File on collector car policy
- 02
Step 2
Homeowners covers garage structure only
- 03
Step 3
Keep claims separate
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Food truck or trailer damaged at home.
Business vehicles excluded from homeowners.
Seawall damaged.
Seawalls often excluded or limited.
Business inventory stored at home damaged.
Business inventory typically excluded from homeowners.
Client property damaged at home (home business context).
Clients' property not covered under homeowners.
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.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Bill of Rights.
FS 626.9744
Matching.
Go deeper
Related resources
First 48 Hours
Emergency playbooks.
Claim Process
FNOL to settlement.
Florida Law
Statutes.
Denied Claims
Denial reasons.
Carriers
Carrier profiles.
Locations
All 67 counties.
Glossary
Claim terms.
Claim Types
Damage categories.
Storms
Storm profiles.
Calculators
Decision tools.
Case Studies
Real recoveries.
Help Center
Common problems.
See also
Other common problems
Water softener / RO system damaged.
Another situation Florida policyholders face mid-claim.
Claim review board escalation process (variant 3).
Another situation Florida policyholders face mid-claim.
I changed address; carrier says my claim is affected.
Another situation Florida policyholders face mid-claim.
A contractor I hired damaged my property.
Another situation Florida policyholders face mid-claim.
Inspection found more damage than the first quote.
Another situation Florida policyholders face mid-claim.
My tree fell on multiple properties; whose insurance covers what
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.
Florida claim updates
One email a month. No fluff.
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more