Water damage is the #1 cause of homeowners insurance claims in Florida. Whether from a burst pipe, appliance failure, or storm-related intrusion, here's how to protect your right to a full recovery.
Photograph and video the damage before any cleanup or mitigation. Capture every room, every wet surface, and every damaged item. These first images are often the most persuasive evidence at claim time.
Florida policies require reasonable mitigation under most ISO HO-3 forms — meaning you must prevent further damage. But never throw away damaged items until the adjuster has documented them or you have photo evidence of every piece.
Florida law requires initial notice within one year of the date of loss under Fla. Stat. § 627.70132. Don't wait. Delayed notice gives carriers grounds to deny.
Most policies cover sudden and accidental water damage but exclude long-term seepage, mold, and gradual deterioration. Adjusters often try to recharacterize sudden losses as long-term to avoid paying. Independent expert opinions can rebut this.
Don't rely solely on the insurance company's contractor estimate. Get your own licensed contractor's bid before agreeing to any settlement.
Once you sign a release, your claim is closed. If the offer doesn't cover your full repair costs, get a second opinion from an insurance dispute attorney first.
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