DV Status
Third-Party DV Recoverable
Statute of Limitations
4 years for property damage
Appraisal Clause
Available in most policies
Key Points for Florida
Siegle v. Progressive established DV rights in Florida
First-party DV generally excluded unless policy states otherwise
Third-party claims fully supported
Free mediation program available under Florida Statute 627.7015
Important Information
Florida is a friendly state for third-party diminished value claimants. The landmark case Siegle v. Progressive Consumers Insurance Co. (2001) established that diminished value is recoverable. However, the court drew a clear line - first-party DV claims are generally excluded unless your policy specifically includes this coverage.