What is my insurance company required to pay for my claim?
Generally your insurance company’s required to pay for actual physical damage. You may also have damage to personal property, which is sometimes referred to as coverage C. In addition, if you have to move out of your property while repairs are being made, you’re entitled to additional living expenses, and in some cases the loss of rental value if you’re renting the property. It’s also important to note that the insurance company may be responsible to repair undamaged property. In Florida there’s something called the Matching Statute, which requires that the insurance company match undamaged property to the replaced damaged property. For example if you have roof tiles, or tile in your house, which must be replaced the insurance company must replace all of the tile even if it’s in an undamaged area so that it properly matches.
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