Florida Salvage Title — Requirements and Rebuilt Process
Florida designates vehicles as salvage at 80% of ACV and uses form HSMV 82101. Rebuilt vehicles receive a “Rebuilt” brand. Insurance availability is limited for rebuilt; severely limited for pure salvage.
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Florida Salvage Threshold: 80% of ACV
Florida uses an 80% threshold — when repair costs exceed 80% of Actual Cash Value, the insurer must declare a total loss and title the vehicle as salvage.
Threshold
80% of ACV
Basis: ACV
Application Form
HSMV 82101
Florida HSMV Salvage Certificate of Title application. Filed by insurer or owner after total loss declaration.
Rebuilt Title Brand
Rebuilt
Florida's rebuilt brand is simply "Rebuilt" on the title. Florida uniquely requires a physical "Rebuilt" sticker to be affixed to the door jamb — no other major state requires this.
Processing Time
4–6 weeks for rebuilt title
FL county tax collector offices process rebuilt title applications after FHP inspection is complete.
Rebuilding a Salvage Vehicle in Florida
Florida allows salvage vehicles to be rebuilt and reinspected by Florida Highway Patrol (FHP). A "Rebuilt" title is issued after passing inspection.
Required Documents:
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Current FL salvage certificate
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HSMV 82994 (Rebuilt application)
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FHP inspection certificate
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Proof of parts and repairs
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Payment for $75.25+ fee
FHP inspection appointments required — contact your regional FHP office. Inspection covers safety systems, VIN verification, and completeness of repairs.
Insurance on Florida Salvage Title Vehicles
Coverage Availability: Limited for rebuilt; severely limited for pure salvage
FL insurers rarely write comprehensive or collision on salvage vehicles. For FL rebuilt title vehicles, some specialty insurers will write coverage but at reduced limits.
Buying a Florida Salvage or Rebuilt Title Vehicle
Buyer should request FL rebuilt title, HSMV 82994 (rebuilt application), FHP inspection certificate, and verify the door jamb "Rebuilt" sticker. County tax collector title transfer.
FL's 80% threshold means FL salvage vehicles may have less damage than those in 75% states — but the rebuilt brand is still permanent.
Florida-Specific Note
Florida's unique door jamb "Rebuilt" sticker requirement means FL rebuilt title vehicles carry a permanent physical marker — not just a title brand. Always check the door jamb when buying a used FL vehicle.
Frequently Asked Questions
What is the salvage title threshold in Florida?
Florida uses a 80% of ACV threshold. Florida uses an 80% threshold — when repair costs exceed 80% of Actual Cash Value, the insurer must declare a total loss and title the vehicle as salvage.
Can a salvage title vehicle be rebuilt and retitled in Florida?
Yes — Florida allows salvage vehicles to be repaired and retitled as "Rebuilt." Florida allows salvage vehicles to be rebuilt and reinspected by Florida Highway Patrol (FHP). A "Rebuilt" title is issued after passing inspection.
What form is used for a salvage title in Florida?
Florida uses form HSMV 82101. Florida HSMV Salvage Certificate of Title application. Filed by insurer or owner after total loss declaration.
Can I get insurance on a salvage or rebuilt title vehicle in Florida?
Limited for rebuilt; severely limited for pure salvage. FL insurers rarely write comprehensive or collision on salvage vehicles. For FL rebuilt title vehicles, some specialty insurers will write coverage but at reduced limits.
FL HSMV
https://www.flhsmv.gov ↗