The Little-Known Additional Coverages in Your Florida Homeowners Policy

In Part 5 of the Master Your Insurance Policy series, Attorney Edward Jimenez highlights the additional coverages buried in your policy that most Florida homeowners never claim, even though they paid for them. After the core ABCs of coverage, these extra protections can add thousands of dollars to a legitimate recovery.

Debris Removal

Your policy typically pays to remove debris from a covered loss, including fallen trees and destroyed building materials. Debris removal coverage is separate from the cost of repairs, yet adjusters often fold it into the main estimate or leave it out entirely.

Emergency Mitigation

After a storm you have a duty to prevent further damage, and your policy reimburses reasonable emergency measures such as tarping a roof or extracting water. Emergency mitigation coverage applies even before the insurer inspects, so keep every receipt for temporary repairs.

Loss of Use and Lost Rental Income

If your home is uninhabitable, additional living expenses cover temporary housing and meals. If you rent the property out, loss of rental income coverage can replace the rent you cannot collect while repairs are underway.

Ordinance or Law Coverage

When you rebuild, current building codes may require upgrades the original structure never had. Ordinance or law coverage pays for these code-required improvements, which can be substantial on older Florida homes after major roof or structural damage.

Talk to a Florida Property Damage Attorney

Additional coverages are easy for insurers to overlook and easy for homeowners to miss. Attorney Edward G. Jimenez makes sure every applicable coverage is claimed on your property damage claim. See our results, then call (321) 465-3425 or request your free consultation. Next: Part 6: Secrets to Unlocking Coverage.