# INSURANCE · COVERAGE & CLAIMS

Florida insurance & water damage claims.

Water, smoke or sewage still active? Call or text CFDR at 321-420-7274. Ryan matches homes within about 90 minutes of Orlando with a restoration company.

What's covered, what isn't, and how to document your claim. Plain-English answers for Florida homeowners on water, mold, fire, and storm damage coverage, what a denial letter means and who can help, and Florida's claim deadlines.

Updated Oct 2026

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Florida claim deadlines and steps →What a contractor documents for your claim →

# 00 · THE CLAIM CLOCK

Florida's property claim deadlines at a glance.

These are the dates that decide whether a claim survives. They come from the Florida Statutes, not from CFDR, and the full table with the exceptions is in the Florida claim guide.

Who has to act	By when	Rule
You report a new or reopened claim	Within 1 year of the date of loss	s. 627.70132
You report a supplemental claim	Within 18 months of the date of loss	s. 627.70132
Your insurer acknowledges your claim	Within 7 calendar days	s. 627.70131
Your insurer pays or denies	Within 60 days of notice of the claim	s. 627.70131
Your insurer sends its adjuster's estimate	Within 7 days after the estimate is generated	s. 627.70131

For a hurricane or other weather event, the date of loss is the landfall date, or the date NOAA verifies the event. If you and your insurer disagree, the Florida Department of Financial Services runs a mediation program for disputed claims; its consumer helpline is 1-877-693-5236. A standard homeowners policy does not cover flooding, so rising water is a separate flood-policy claim.

# 01 · WHAT'S COVERED

Does insurance cover…?

Coverage almost always comes down to the cause of the damage. Find your exact scenario below.

# 02 · CLAIMS, POLICIES & DISPUTES

Filing and documenting your claim.

# NEXT

Damage now? Call.

The photos and moisture readings your matched company records in the first hours document the loss for your claim. Call any hour. Owner Ryan Solberg takes the calls; if he is on another call, he calls you back. Ask your matched company how billing works on an insurance job; your deductible is yours.

Call 321-420-7274 Florida Claim Deadlines and Steps →

Florida insurance & water damage claims.

Florida's property claim deadlines at a glance.

Does insurance cover…?

Filing and documenting your claim.

Damage now? Call.

Damage at your property? Ryan matches you with a local restoration company.

Where is the damage?