Heritage Property & Casualty Insurance Company Claim Help

Heritage typically pays ACV (actual cash value) first — depreciated value of the loss. RCV (replacement cost value) holdback is released as repairs are completed and invoiced. The gap between ACV and contractor estimate is normal — but if the underlying scope is wrong (missing line items, repair vs. replace, incorrect depreciation), a public adjuster's supplemental estimate addresses it.

Florida's Roof Replacement Rule (FL Statute 627.7011(11)) addresses partial-vs-full replacement, not denial outright. Roof age alone is not a coverage exclusion — but practical wear-and-tear arguments do reduce settlements when documentation is weak. A public adjuster's pre-loss-condition documentation (drone imagery, prior-listing photos) defeats roof-age arguments.

Heritage policies typically sub-limit mold/fungi to $10,000 unless endorsed higher. The sub-limit applies to mold remediation — not the underlying covered water claim. File and pursue mold and water as related but distinct claims.

Yes — FL Statute 627.70132 allows supplemental claims within 18 months of loss. If repairs uncovered additional damage, the original scope missed line items, or new depreciation issues emerged on RCV release, a supplemental claim is the standard remedy.

Heritage policies contain a standard appraisal clause invocable when parties disagree on amount of loss. Two appraisers + one neutral umpire produce a signed award binding on amount (not coverage). Appraisal is faster and cheaper than litigation.

Yes — Heritage hurricane deductibles are typically 2%–5% of Coverage A and apply per calendar year per FL Statute 627.701(5)(a). Multiple named storms in the same season trigger only one deductible (subject to policy specifics).

FL Statute 627.70131 requires acknowledgement within 14 days, inspection within 14 days, and payment or denial within 90 days. Post-CAT, complex claims commonly run 6–12 months. A documented, scope-correct claim shortens that timeline.

Contingency 10–20% of additional recovery — capped at 10% in year one for declared-emergency claims (FL Statute 626.854(11)). No upfront fees. No fee if there's no recovery.