Diminished Value claims in Florida
Florida drivers have 4 years to file a DV claim.
The clock starts on the date of loss — not the date repairs finish. Bring verified comparable-sales evidence to the at-fault driver's carrier and recover the market-value loss your vehicle took.
Endorsed by Ask The Expert™ and Robert L. McDorman, Expert Public Insurance Adjuster. Backed by 10+ years of settlement data and verified market comparables.
Check your Florida filing deadline
Enter the date of your accident below. We'll show your exact 4-year statute-of-limitations deadline and how many days remain.
Florida DV claim facts
Statute of limitations
4 years from date of loss
Fla. Stat. § 95.11(3)(g) — 4 years for actions for taking, detaining, or injuring personal property (covers DV property-damage claims). FL 2023 tort reform reduced general negligence (§ 95.11(3)(a)) to 2 years but left property-damage at 4 years.
First-party DV
No — restricted
Third-party DV (at-fault carrier)
Yes — widely recognized
UM/UIM coverage
Optional — check policy
Small-claims max
$8,000
Total-loss threshold
80% of ACV
Statute citation: Fla. Stat. § 319.30 (80% total-loss threshold) + § 95.11(3)(g) (4-year property-damage SOL)
Why this matters in Florida
Florida recognizes third-party diminished value claims against the at-fault driver's carrier. Important to know: under Siegle v. Progressive (Fla. 2002), Florida law does NOT allow first-party DV claims when the insurer elects to repair the vehicle — meaning your own collision coverage is generally not a path to DV recovery. The viable path is third-party (the at-fault driver's carrier) or UM/UIM (if the at-fault driver was uninsured). Florida's statute of limitations is four years from the date of loss for negligence-framed property-damage claims under Fla. Stat. § 95.11(3)(h). For total-loss determinations, Florida uses an 80% threshold under Fla. Stat. § 319.30 — when the repair cost equals or exceeds 80% of the replacement cost, the vehicle is statutorily a total loss. This is a stricter threshold than the Total Loss Formula used in California, and it puts pressure on ACV valuations — a higher ACV pushes more borderline vehicles out of the total-loss category and into the DV-recoverable category. Document the date of loss, the repair invoice, and the at-fault carrier's adjuster name + claim number. The VVA DV Report anchors your demand letter with comparable-sales evidence from your Florida ZIP.
The Only Diminished Value Report With a Money-Back Guarantee
No competitor offers this. We're so confident in our methodology that if your DV report shows less than $600 in pre-accident value loss, your $199.95 is fully refunded — and the $49.95 Document Bundle is on us too.
Backed by 10+ years of settlement data and verified market comparables.
The fine print
We guarantee that your Diminished Value Report will have a greater than $600 loss in pre-accident Actual Cash Value, or we will refund your card the FULL $199.95 purchase price. If you also purchased the Document Bundle for greater support. We will also refund this $49.95 in the event your recorded Diminished Value is less than $600.00. If you disagree with anything on the report you can contact support@vehiclevalueanalysis.com with your concerns.
Florida DV claim FAQ
State-specific answers plus universal DV questions. See the full FAQ for the complete 70+ entries.
States with similar filing deadlines
State legal information on this page is general guidance only and may be subject to retroactive verification. Verification status: Verified (Justia, last reviewed 2026-05-16). See the legal disclaimer for full verification details.