Common Florida exclusions
- Flood
- Earthquake
- Mold (above sublimit)
- Wear and tear
- Ordinance or law (above sublimit)
- Neglect
Burden of proof
On the carrier, typically, to show an exclusion applies.
Exclusion
A policy provision removing specific causes of loss, property, or circumstances from coverage. Florida exclusion language is heavily litigated; how it's read decides many denied claims.
Related
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