Florida
Your AI Accident Assistant for Florida.
We handle Florida property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How Florida treats your claim
- Total loss threshold
- 80% of fair market value
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 4 years
- Small claims cap
- $8,000
- Fault rule
- Modified 51% bar
- First-party PA license
- Not required for consumer DIY
TMT: a fixed % triggers a total loss.
Siegle v. Progressive Consumers Ins. Co., 819 So. 2d 732 (Fla. 2002) — FL Supreme Court REJECTED first-party inherent DV
Fla. Stat. § 626.854(1) definition reaches ALL claim types incl. auto, BUT § 626.854(19) restricts the protective conduct rules (subs. (5)-(18): fee caps, contracts, solicitation) to RESIDENTIAL PROPERTY ONLY — a regulatory gap; DFS has not published auto-claim-software enforcement.
Dive deeper into Florida
What Claimoe does for Florida claims
- · Drafts every adjuster email for your approval, with Florida-specific language and citations.
- · Calculates your diminished value using the 17c framework and Siegle v. Progressive Consumers Ins. Co., 819 So. 2d 732 (Fla. 2002).
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · Florida rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.