What You Need to Know About Water Damage Claims in Miami, Florida

As a homeowner in Miami, Florida, you know that water damage claims are a common occurrence. Whether it’s from a flood, hurricane, or leaking or broken cast iron pipe, water damage can be devastating to your home and your wallet. In this article, we’ll explore what you need to know about water damage claims and how to navigate the insurance dispute process.


What Are Water Damage Claims?

Water damage claims are a common in Florida; especially as the preferred plumbing pipes, prior to 1975, were made from cast iron. While water damage can occur from floods, hurricanes, rainstorms, leaking pipes, and more, a true water claim results from broken supply or drain line or a rainstorm as floods and hurricanes are claims which have their own category within your insurance policy. When you file a water damage claim, your insurance company will first determine the cause and origin of the peril and then assess the damage and determine how much they will or won’t cover.

Insurance Disputes in Miami, Florida

If you’ve ever had to file a water damage claim, you know that the insurance dispute process can be overwhelming. In Miami, Florida, insurance disputes are a common occurrence, and it’s essential to know your rights as a homeowner. If you believe that your insurance company is denying your claim or not offering enough, you have the right to dispute their decision. To navigate the insurance dispute process, it’s crucial to have a knowledgeable and experienced attorney on your side. At our law firm, we specialize in insurance disputes and can help you get the coverage you deserve (and paid for via your hard-earned premium dollars!).

Water Damage Claim Process

When you discover water damage in your home, the first step is to document the damage. Take photos and videos of the affected areas and make a list of all damaged items. Next, contact your insurance company and file a claim. Your insurance company will send an adjuster to assess the damage and determine how much they will cover. If you disagree with your insurance company’s decision, you can dispute it. This process can be complex, and it’s essential to have an attorney on your side. We can help you navigate that process.

Homeowners Insurance Coverage

It’s important to note that not all homeowners insurance policies cover water damage. Some policies exclude water damage, so it’s crucial to review your policy carefully. If you live in an area prone to flooding or hurricanes or you have cast iron drain lines, you may want to consider purchasing a policy which provides water damage coverage.


Water damage claims are a common occurrence in Miami, Florida, and it’s essential to know your rights as a homeowner. If you’re dealing with water damage and an insurance dispute, contact our law firm today. We specialize in insurance disputes and can help you navigate the process. Remember, having an experienced attorney on your side can make all the difference in the outcome of your case.

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