Dropped Object Damage Claims in Florida
A dropped pot can crack a tile floor, and a falling tree can damage a roof. We document the damage, look at matching and handle the claim for you.
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Small Accident, Bigger Repair
A heavy object dropped on a tile floor can crack one tile, but the repair may involve much more. If matching tiles are no longer made, replacing one or two pieces can leave a floor that does not match, and that is where many claims are underpaid.
Falling objects, such as trees, limbs and other items striking the home, are also a common cause of loss. Northside Adjusters documents the damage, reviews the matching question and presents a complete claim.
Keep the broken tile or a piece of the damaged material if you can. It helps identify the product and supports the claim.
First Steps After the Damage
- Photograph and video the damage and the object that caused it.
- Save broken pieces of tile, stone or fixtures.
- Look for leftover tiles or the product name and model.
- Report the claim, then call us for a free inspection.
Common Dropped and Falling Object Claims
These losses are usually sudden and accidental, which is what many policies cover.
Cracked Floor Tile
Pots, tools or heavy items dropped on ceramic, porcelain or stone tile.
Countertops and Sinks
Chipped or cracked stone countertops and broken sinks.
Bathroom Fixtures
Cracked toilets, tubs and vanities, sometimes with water damage. See water damage claims.
Falling Trees and Limbs
Trees that fall on the roof, walls, fences or screen enclosures.
Objects Striking the Roof
Damage to tiles, shingles or decking from falling items. See roof leak claims.
Glass and Doors
Broken sliding doors, mirrors and windows.
What Insurers Often Underpay or Deny
The biggest issue in dropped object claims is usually matching.
Paying for One Tile
Insurers may pay only for the broken pieces even when matching tiles cannot be found.
Matching Disputes
Florida law addresses matching on homeowners claims (section 626.9744). We check whether it applies to your loss.
Under the Deductible
A small estimate may fall below the deductible when the full repair is not included.
Related Costs Left Out
Moving furniture, removing fixtures and baseboards, and disposal are often missed.
How a Public Adjuster Helps with Dropped Object Claims
We make sure the repair covers what is needed for a proper result.
Documentation
Photos, measurements and records of the damaged area and the areas next to it.
Policy Review
We check coverage for the cause of loss, matching and your deductible.
Detailed Estimate
An estimate that includes all affected areas and the related work.
Negotiation
We present the claim and negotiate the scope with the insurer.
How Northside Handles Your Claim
The same steps for every claim, explained in more detail on our Claims Process page.
- 1
Call, Text or Send the Form
Call or text 888-888-8591 any time, or use the short form on this page. Tell us what happened and who your insurer is.
- 2
Free Inspection and Policy Review
A licensed adjuster inspects the property at no cost and reads your policy, declarations page and any letters from the insurer.
- 3
Documentation and Estimate
We photograph, measure and record the damage and its cause, then write a detailed repair estimate and contents list.
- 4
We Present and Negotiate
We submit the claim, meet the insurer's adjuster and experts at the property and negotiate the amount owed.
- 5
Settlement and Payment
The insurer pays the agreed amount. Our fee is a percentage of the settlement, capped by Florida law. No recovery, no fee.
Dropped Object Claims in Southwest and South Florida
Southwest Florida
Tile floors are common in homes across Cape Coral, Fort Myers, Lehigh Acres and Naples, and many were installed with products that are now discontinued. We inspect in person.
South Florida
Condo owners in Miami-Dade and Broward face the same matching issues. We review your unit owner's policy with you.
Dropped Object Claim Questions
Is a cracked tile from a dropped object covered?
Often, yes. Many homeowners policies cover sudden and accidental physical damage. The answer depends on your policy type and its exclusions.
What if matching tiles are not available?
Florida law addresses matching for homeowners claims (section 626.9744). Depending on the loss and the policy, a larger area may need to be replaced to get a reasonably uniform look.
Is a falling tree covered?
Damage to your home from a falling tree is usually covered. Tree removal may have separate limits.
Is it worth filing a claim for a small area?
It depends on the full cost, including matching and related work, compared with your deductible. We can review it with you for free.
Should I keep the broken tile?
Yes. Keep the broken pieces and any spare tiles. They help identify the product and support the claim.
What does it cost to hire you?
The inspection is free. Our fee is a percentage of the settlement, capped by Florida law. No recovery, no fee.
General information only, not legal advice. Your policy and Florida law govern your claim. Florida law and your policy set deadlines for claims and supplemental claims (section 627.70132). More answers on our FAQ page.
Other Damage We Handle
One loss often involves more than one type of damage. See every service on our Residential claims page.
All Residential Claims Our claims process Claim FAQ Denied or Underpaid Claims Public Adjuster Fees
Dropped Object Damage? Get a Free Inspection.
Talk to a licensed public adjuster today. The inspection is free, and if there is no recovery, there is no fee.
