Policy Review

Your insurance policy is the foundation of your coverage, yet most policyholders never fully read or understand it until after a loss occurs. By then, it may be too late to make important changes or understand exactly what is and is not covered. Our Policy Review service gives you the clarity you need before you ever have to file a claim. Whether you own a home, manage a condo or homeowners association, or operate a commercial property, we can help you identify coverage gaps, limitations, and policy conditions that could affect you in the future.

Why Policy Reviews Are Essential

Property insurance policies are not static. Carriers revise wording, endorsements, and exclusions regularly, often without clearly explaining the impact to policyholders. In recent years, we’ve seen a surge in restrictive provisions being added, such as:

• Higher hurricane or windstorm deductibles

• Water damage sub-limits and sudden leakage exclusions

• Roof coverage limitations based on age or condition

• Reduced payouts for matching of undamaged material

• Strict timeframes for reporting a loss or providing documentation

Many of these changes only come to light after a claim is filed, when coverage is denied or drastically reduced. A proactive policy review shines a light on these hidden pitfalls and allows you to address them in advance.

What Our Policy Review Service Includes

Comprehensive Policy Analysis
We read your entire policy from declarations to endorsements. This includes the fine print, exclusions, and conditions that can make or break a claim. Our goal is to give you a plain-language understanding of exactly what is covered and what is not.

Identification of Coverage Gaps
We flag areas where your current policy may leave you exposed. Whether it’s inadequate limits, missing endorsements, or restrictive provisions, you’ll know where you stand before disaster strikes.

Recommendations for Improvement
Our review does more than point out problems. We provide clear, actionable suggestions such as requesting specific endorsements, increasing limits, or shopping for alternate coverage so you can strengthen your protection.

Tailored Insights for Your Property Type
Condo associations, commercial property owners, and high-value homeowners face different risks. We focus on the provisions most relevant to your property type, from master policies and common areas to tenant improvements and specialty coverage.

The VIP Difference

Our team has reviewed thousands of policies across Florida and South Carolina, giving us a front-row view of the latest changes and trends in property insurance. We know what to look for, what red flags to flag, and how certain endorsements may affect your future claims. By partnering with VIP Adjusting for a Policy Review, you gain a licensed, bonded, and insured advocate who is committed to protecting your interests.

Plan Ahead Today

Don’t wait until a loss to find out what your policy really says. A proactive review now can prevent costly surprises and ensure you have the right coverage when you need it most. Use the form below to request your Policy Review with VIP Adjusting and take the first step toward full peace of mind.