Pre-Loss
Your Annual Florida Policy Review Checklist
What to check every renewal so you catch coverage reductions, endorsement changes, and new exclusions.
What to check every renewal so you catch coverage reductions, endorsement changes, and new exclusions.
Pre-loss
Why this matters before you have a claim
Florida carriers frequently adjust terms at renewal. Roof age restrictions, water damage sublimits, cosmetic damage endorsements, matching restrictions. Read every renewal carefully.
What to do
The basics
- 01
Step 1
Compare new dec page to previous year side-by-side
- 02
Step 2
Identify any new endorsements or exclusions
- 03
Step 3
Verify Coverage A is sufficient for current rebuild cost
- 04
Step 4
Review deductibles against current reserves
- 05
Step 5
Verify scheduled items are still scheduled
- 06
Step 6
Query any changes with your agent
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.
Know the traps
Common mistakes
- XAuto-renewing without reading
- XMissing the water damage sublimit endorsement add-on
- XNot updating Coverage A as rebuild costs rise
- XForgetting to reschedule valuables after appraisal updates
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Annual policy review? Open claim? Free consultation.
Licensed Florida public adjuster.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
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 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
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Statutes that protect policyholders.
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Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
Prepare
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Florida Four-Point Inspection for Older Homes
Another Florida pre-loss documentation or prep topic.
Ordinance or Law Coverage: Code Upgrades Explained
Another Florida pre-loss documentation or prep topic.
Florida Hurricane Deductible Strategy
Another Florida pre-loss documentation or prep topic.
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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