HOMEOWNER Insurance Policies and the $3,000 EMS Cap Explained

Think your insurance covers your full water mitigation bill? Think again. Most Florida policies cap Emergency Mitigation Services (EMS) at $3,000. At VIP Adjusting, we help policyholders challenge underpayment tactics, reclassify invoices, and fight for the full compensation they deserve. Don’t let carriers misapply your coverage—learn how to protect yourself.