Don’t Let Hidden Policy Changes Cost You Thousands

At Trust Public Adjusting Group, we believe that knowledge is power. That’s why we offer free property inspections and free insurance policy reviews to our Volusia County community.

Protecting Volusia County Homeowners Through Knowledge

Too often, homeowners only discover coverage limitations after they’ve suffered a loss — and by then, it’s usually too late. Staying informed about your insurance coverage is one of the most valuable Volusia County resources available to protect your property and finances.

What Is the 1% Matching Limit Clause?

One of the biggest changes we’ve seen recently in homeowners’ insurance policies is the 1% matching limit clause.

At first glance, it might not seem like much. But here’s what it really means:

If you suffer damage to your roof, siding, or flooring, your insurance company may only be required to replace a portion that equals 1% of your Coverage A (Dwelling) limit—not the full repair or replacement.

Example:

If your home is insured for $300,000 under Coverage A, your insurance company may only owe up to $3,000 to “match” repairs.

Anyone who has ever dealt with roofing or flooring knows $3,000 doesn’t come close to restoring your home to its pre-loss condition. Instead of being made whole, you could be left paying the difference yourself.

The Hidden Risk in Policy Renewals

Most homeowners would never knowingly agree to this kind of clause — but these provisions are often quietly added at renewal without explanation.

Many policyholders only find out about them when:

• A claim is denied, or

• The payout falls far short of what’s needed for repairs.

  
  

That’s why we offer a comprehensive insurance policy review. We’ll go through your coverage line by line, flag hidden provisions like the 1% matching limit, and explain them in plain, easy-to-understand language.

Our goal is to help you understand what you’re really paying for—and, more importantly, how to adjust your policy before you’re stuck with limitations that could cost you thousands.

Free Property Inspections for Peace of Mind

Since we’re already on-site, we’ll also complete a free property inspection. This step helps protect you by documenting your home’s current condition, which can be invaluable if an insurance company later claims damages were “pre-existing.”

Free Services Include:

• Detailed policy review and explanation

• Comprehensive inspection with photos and notes

• Advice on coverage improvements and claim preparedness

At Trust Public Adjusting Group, our mission is simple: To protect homeowners, business owners, and property investors from being blindsided by insurance company fine print. We’re proud to serve as a trusted Volusia County resource for policyholders who want to stay informed and prepared.

Don’t Wait Until After the Storm

Take action now—before disaster strikes.Call us today for your free inspection and policy review.

It’s the easiest step toward peace of mind—and making sure your insurance actually works when you need it most.

Call: 386-456-6885 / Text: 850-708-2582 / Website: trustpublicadjustinggroup.com Email: claims@TrustPublicAdjusting.com

3 Reasons to Get a Policy Review Now

1. Hidden Policy Changes

Insurance companies often add provisions (like the 1% matching limit) at renewal without explaining them. These can drastically reduce what you’re owed after a claim.

2. Protect Your Pocketbook

Without a review, you could end up paying tens of thousands out of pocket after a loss. A quick review now can prevent costly surprises later.

3. Free + Local Expertise

Trust Public Adjusting Group offers free property inspections and policy reviews right here in Volusia County. We explain your coverage in plain language so you know exactly what’s covered—and what’s not.