Water damage is the second most common homeowner's insurance claim in Florida — but many homeowners are shocked to discover that not all water damage is covered. Here's exactly what your policy likely covers and what it doesn't.
What IS Typically Covered
Sudden and accidental water damage from internal sources is typically covered by standard homeowner's insurance:
- Burst or cracked pipes
- Water heater failure
- Washing machine or dishwasher overflow
- AC condensate line backup (if sudden)
- Roof damage from storms (wind-driven rain entering through a damaged roof)
- Toilet overflow
What is NOT Typically Covered
- Flooding from outside — requires separate NFIP or private flood insurance
- Gradual leaks — a slow pipe leak ignored for months is typically not covered
- Sewer backup — often excluded unless you have a specific rider
- Maintenance issues — a roof that's just old and leaks is not covered
- Mold from neglect — mold from ignored moisture is typically excluded
Citizens Insurance — Florida's Special Case
Many Central Florida homeowners are on Citizens Insurance (the state-backed insurer of last resort). Citizens policies have specific limitations on water damage claims, including assignment of benefits restrictions. We're very familiar with Citizens claims and know how to navigate their process.
How We Help Maximize Your Claim
Network pros write Xactimate estimates — the same software your adjuster uses — so there's no guesswork about what's covered. Your matched pro documents all damage with photos, moisture readings, and thermal imaging, and communicates directly with your adjuster to fight for every covered dollar.
Questions about your specific situation? Call at 321-420-7274 — we'll help you understand your coverage before you file.