The way an insurance company defines physical loss to your property depends on the type of coverage that you have. A Miami public adjuster could answer that question in full if they are able to read your specific policy. In general, the physical loss to your property is defined if there is actual physical damage that has occurred to your home.
Because that may be outlined or not in your policy, you would first have to evaluate the conclusion that your insurance company came up with.
You would have to show the burden of proof that your loss falls under the policy’s clause because the physical loss may not be defined in your policy and that will pose a problem and bring about a discussion with your insurance company. Let the Miami firm of Public Adjusters handle the discussion with your insurance company.
What Happens When the Loss is not Physically Apparent?
Now, there will be times when the physical loss is not apparent to the naked eye, but that its usefulness has been deteriorated or damaged. How can that be proven? Perils that come from a fire can be physically seen, but if damage comes to the home within the structure where it is not visible, it may prove difficult to demonstrate.
This is a quote from a court that held that a physical loss is: “distinct, demonstrable, physical alteration” of the property.4 Moreover, “some external force must have acted upon the insured property to cause a physical change in the condition of the property, i.e., it must have been ‘damaged’ within the common understanding of that term.”5
In other words, even though the direct physical loss may not be clearly explained in your policy, you would have to show how there was a physical alteration on your property that would satisfy the requirement for this coverage.
As someone who is not experienced with claims and basic construction, this might be extremely difficult to prove by yourself. You should contact a public adjuster in Miami, FL that is experienced in the matter in Miami. They will be able to determine the direct physical loss and help prove it in a way that is understandable for your insurance company. Insurance policies for businesses and homes are complex because there are many variables tied to them.