Underpaid Contents / Personal Property Claim in Florida?
Contents and personal-property payments are almost always the most underpaid part of a claim. Carriers apply steep depreciation, use low replacement pricing, and fail to pay the recoverable holdback once items are actually replaced. Building a proper, itemized inventory at true replacement cost — with the right ages, conditions, and like-kind-and-quality pricing — routinely increases the contents recovery by a meaningful margin.
Why Contents & Personal Property Claims Get Underpaid in Florida
- Excessive depreciation applied to personal property
- Below-market or non-like-kind replacement pricing
- Failing to pay recoverable depreciation (holdback) after replacement
- Incomplete or under-inventoried contents lists
- Overlooking sales tax and high-value/scheduled items
How We Recover Your Contents & Personal Property Shortfall
Audit the Payment
We compare the carrier's scope and pricing against the true cost of repair, line by line.
Re-document
We re-inspect and document the hidden, omitted, and underscoped damage the first estimate missed.
Rebuild the Estimate
We write an independent replacement-cost estimate at current Florida market rates.
Supplement & Negotiate
We file a formal supplement and negotiate — escalating to appraisal or mediation if needed.
See What Your Claim Should Actually Pay.
Run your damage through our free calculator to get a defensible recovery range built from current Florida market rates — then compare it to what the carrier paid and let us fight for the difference.
Underpaid Contents & Personal Property Claim FAQ
Why is my contents payment so low?
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Carriers apply heavy depreciation and low replacement pricing, and often don't pay the recoverable holdback. A proper itemized inventory at true replacement cost recovers most of the difference.
What is recoverable depreciation on contents?
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Under replacement-cost coverage, the carrier withholds depreciation initially and owes it once you replace the items and submit proof. This holdback is frequently left unclaimed.
Do I have to list every item?
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A thorough, itemized inventory drives the recovery. We help build it with ages, conditions, and like-kind-and-quality pricing so nothing is left on the table.
What are your fees?
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Contingency only, within Florida's statutory caps. No recovery, no fee.
This information is general and educational, not legal advice. Statutory deadlines and policy provisions vary; consult the current Florida Statutes, your policy, or an attorney for your situation.