Florida Property Insurance Claim Guides and Public Adjuster Resources
How Should You Respond to a Low Insurance Settlement Offer?
Receiving an insurance payment can feel like progress after property damage, but that feeling changes quickly when the amount does not match the repairs your property appears to need. If the insurance settlement is too low, do not focus only on the final dollar amount. Start by understanding how the insurer calculated it, what damage was included, what may have been omitted, and what documentation supports the loss. At piccfla.com, we help Florida property owners review underpaid property insurance claims from the policyholder’s side. Our work can include inspecting damage, reviewing claim information and estimates, preparing supporting documentation, communicating about the claim, and negotiating based on the documented loss. A low insurance claim payout does not automatically mean the claim is finished. Depending on the policy, payment documents, claim status, and facts of the loss, further review may still be appropriate. What Should You Do First When an Insurance Settlement Seems Too Low? Read everything that came with the payment...
How Do You Read a Home Insurance Claim Denial Letter?
Receiving an insurance denial letter can be confusing, especially when your home is already damaged and you are trying to understand what happens next. The letter may contain policy language, exclusions, descriptions of the damage, and conclusions that are difficult to connect to what actually happened at your property. At piccfla.com, we encourage homeowners not to look at a denial as a single sentence saying yes or no. A denial should be read alongside your policy, photographs, inspection findings, estimates, correspondence, and the actual condition of the property. Florida law requires insurers to provide a reasonable written explanation of the policy basis, facts, or applicable law supporting a payment, denial, or partial denial of a property insurance claim. That written explanation gives you a starting point for understanding what the insurer decided and why. If you have already received a denial, our guide on what to do when a homeowners insurance claim is denied in Florida explains how we approach...
Can an Insurance Company Change Its Adjuster’s Estimate?
Yes, an insurance company can revise an adjuster’s estimate as a property insurance claim is reviewed, but that does not mean a downward change can be made without accountability. In Florida, this distinction is especially important. An adjuster may inspect your property and prepare a detailed estimate, but the insurance company may continue reviewing the claim afterward. Coverage, scope of damage, documentation, pricing, depreciation, deductibles, and other claim information can affect the amount the insurer ultimately determines is payable. However, Florida law specifically addresses situations in which an insurance adjuster’s report is altered or amended. If a change has the effect of reducing the estimate of the loss, the insurer must provide a detailed explanation for the reduction and maintain information showing what was changed and who made or ordered the change. At PICC FLA, we help policyholders evaluate these situations by reviewing the property damage, insurance estimate, available claim documentation, and applicable policy information. Our goal is to determine...
What Is an Examination Under Oath in an Insurance Claim?
Receiving a request for an examination under oath can make an already stressful property insurance claim feel much more serious. You may wonder why the insurance company wants to question you, what you will be asked, what documents you need, and whether the request means something is wrong with your claim. At PICCFLA, we help Florida property owners navigate the property insurance claim process by reviewing claim information, documenting property damage, preparing estimates, organizing supporting evidence, communicating about the claim, and negotiating on behalf of the policyholder. An examination under oath, commonly called an EUO, is part of an insurance company’s investigation of a claim when required under the applicable policy. Florida consumer guidance explains that a policyholder must cooperate with the claim investigation and may be asked to provide a recorded statement or participate in an examination under oath. Because an EUO involves sworn answers, it should be treated carefully. Preparation starts with understanding your policy, reviewing the facts...
Should You Give a Recorded Statement for a Property Insurance Claim?
A recorded statement can feel like a routine step in a property insurance claim, but it deserves careful attention. When an insurance company asks you to describe a loss while the conversation is being recorded, your answers can become part of the claim file. That does not mean you should automatically refuse the request. It also does not mean you should answer before understanding what is being asked. At PICC FLA, we help Florida property owners document, assess, present, and negotiate property insurance claims. Our approach starts with the policy, the facts surrounding the loss, and accurate documentation. If you receive a request for a recorded statement insurance claim interview, the practical goal is to understand the request, review what happened, and avoid guessing about details you do not know. Florida consumer guidance explains that an insured must cooperate with the insurer’s investigation and may be asked to provide a recorded statement or an examination under oath. Whether a particular...
What Does a Partial Denial Mean in a Property Insurance Claim?
A partial denial insurance claim means the insurance company has accepted coverage for part of your property damage claim but has denied another part. Instead of approving the entire claim or denying everything, the insurer has determined that some of the reported loss qualifies for coverage while another portion does not. For property owners, this can be confusing. You may receive an insurance payment and still see language in your claim letter explaining that certain damage, repairs, rooms, materials, or causes of loss are not covered. At PICC FLA, we help property owners understand what their claim decision actually says, compare that decision with the documented property damage, and determine whether important portions of the loss may have been overlooked, excluded, or valued differently. If you are still becoming familiar with how a property claim moves from reporting through inspection, documentation, negotiation, and payment, our property insurance claim process guide provides a helpful overview. What Does It Mean When an...
What Can You Do When the Insurance Company Is Not Responding?
When you have property damage and your insurance company is not responding, waiting without knowing what is happening can be frustrating. You may have already reported the loss, allowed an inspection, submitted documents, and followed up several times. Still, you may be dealing with an insurance adjuster not returning calls, a no response from insurance company situation, or simply an insurance claim with no update. At piccfla.com, we help Florida property owners understand where their claims stand and what steps may help move the process forward. Our role as public adjusters is to represent the policyholder during the property insurance claim process. That can include inspecting the property, documenting damage, reviewing claim information, preparing estimates, communicating about the claim, and negotiating with the insurance company. Silence does not automatically mean that an insurance company has violated the law or that your claim will be denied. Claims can require investigation, inspections, estimates, supporting documents, and coverage review. However, Florida also establishes...
Why Is My Home Insurance Claim Taking So Long?
When your home has been damaged, waiting for an insurance decision can become almost as stressful as dealing with the damage itself. You may have reported the loss, met with an adjuster, provided photographs, and answered questions, yet weeks later you may still be wondering why nothing seems to be happening. If your insurance claim is taking too long, the delay does not always mean that your claim has been forgotten or denied. Property insurance claims can involve inspections, documentation, policy review, damage estimates, requests for additional information, and disagreements about the cause or value of a loss. At PICC FLA, we help Florida property owners understand and manage the property insurance claim process. Our role is to represent the policyholder by documenting the loss, reviewing available claim information, preparing estimates and supporting documentation, communicating with the insurance company, and helping move the claim through the adjustment process. Understanding what may be slowing your claim down is the first step...
What Is an Undisputed Payment in a Property Insurance Claim?
Receiving an insurance payment after property damage should feel like progress. But when the amount is lower than the cost of repairs, homeowners often wonder whether accepting the money means they have accepted the insurance company’s final decision. That is where an undisputed payment insurance claim can become important. An undisputed payment generally represents the amount of covered loss that the insurance company presently agrees is owed, even though another portion of the claim may still be under investigation, disputed, or subject to additional documentation. In other words, receiving money does not necessarily mean every issue involving the claim has been resolved. At PICC, we help Florida property owners understand what their insurance payments represent, evaluate property damage, review claim estimates, prepare supporting documentation, and address differences between the insurer’s evaluation and the documented loss. Our property insurance claim process explains how inspection, documentation, evaluation, negotiation, and payment fit together throughout a property claim. What Does an Undisputed Payment Mean...
