Florida homeowners are especially prone to such damage due to severe weather such as hurricanes, which bring excessive downpour and flooding.

Water damage to real or personal property can arise from a hurricane, flooding, flash floods, broken water pipes, or sewage back-ups. This type of damage can result in rotted wood, rusted steel, mold and mildew damage, and several other kinds of damage to materials in your home or building. Filing water damage insurance claims can be difficult. 


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Water Damage Insurance Claims in Florida

Most basic homeowner’s and property insurance policies do not cover water, flood or mold damage. It is important to examine your insurance policy to see the types of damage your insurance policy covers and whether any provisions exist excluding water damage or that impose limitations on the type and amount of water damage claims.

The premiums on flooding and water damage policies can be very high, and many insurance companies may require policyholders to pay a deductible on any water damage before they will begin to pay benefits under the policy. Therefore, the insured may have to pay thousands of dollars before their policy coverage will even apply.

It is important to examine your deductible and make sure your provider is not acting in bad faith by taking advantage of you and increasing your premiums if you live in a high risk area for water damage.

For Florida Residents:

Key Takeaways

If you’re currently filing water damage insurance claims, it is important to get in contact with a water damage public adjuster that can offer a clear understanding of your insurance policy.

You should also take photographs and videos of all water damage immediately after the damage occurs and throughout the entire claims process. Your insurance provider may require this information before they will provide any coverage under your insurance policy. If your insurance company disputes the extent or cost of any damages, any information you have can be used as evidence in any litigation with your insurance company.

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What Can I Do If My

Water Damage Claim is ‘Stuck’ or Denied?

Receiving an insurance denial can be heartbreaking and frustrating. You put your trust in your insurance company, reliably paying your premiums and expecting them to be there for you in your time of need.  Unfortunately, all too often Florida residents find that their claim for water damage due to plumbing, shower & kitchen leaks, roof leak, flooding or other acts of nature or accidents are denied.

If you too received an insurance denial, don’t give up! Put a public adjuster from our company on your side and let us do what we do best. We work on the side of policyholders, ensuring that insurance companies pay what they are required to under the terms of its policy.

We know how to build an insurance claim the right way, from documentation of evidence in your favor, to highlighting policy terms and providing a professional, in-depth examination that can aid in getting your claim approved in full.