Water goes where you can't see. That's where we look.
Water and flood claims for Florida homeowners. Burst pipe, water heater, appliance leak, roof leak, rising water. We find how far the water went before anyone writes a number.
What's often missed on a water claim
A water claim is often written from the stain. The damage is usually behind the wall and under the floor.
- Moisture inside the wall, not just the stain on itDrywall dries on the surface. The insulation, studs and block behind it can stay wet long after the wall looks dry. A thermal camera shows it. A glance doesn't.
- Flooring that has to come up, not be patchedWater travels under tile, laminate and wood. The estimate prices one room when the floor runs through three.
- Cabinets, baseboards and the wall behind themSwollen toe kicks and rotted baseboards mean the wall behind is wet too. They get missed when nothing is pulled.
- The word gradualA sudden leak can get called a long term leak and denied. The plumber's report, the moisture pattern and the condition of the materials show which one it was.
- Mold that started while the claim was pendingWet materials can start growing mold fast. If it isn't written into the water claim, it turns into a fight later. Mold claims.
- Thermal camera scan of every wall and ceiling near the loss
- Moisture meter readings, room by room, logged with photos
- The source: pipe, fitting, appliance, roof, or rising water, photographed
- Materials that must be removed, measured and listed
- Flooring extent traced under the finish, not just the wet spot
- Cabinets, baseboards, doors and trim that were affected
- Contents damaged by the water, itemized
- Emergency dry out and mitigation receipts included
- A line item estimate in the format insurance companies use
What we put on record
We bring readings and photos, not opinions.
Two water claims, first offer to final check.
Tap a card to flip it.
Past results don't promise a result on your claim. Photos are representative, not the homes in these claims. See all results.
Water questions, straight answers
Each one with the statute, not a paraphrase. All questions.
Can insurance drop you after a water damage claim?
Not as the sole reason. Florida law names water damage claims specifically.
“A single claim on a property insurance policy which is the result of water damage may not be used as the sole cause for cancellation or nonrenewal unless the insurer can demonstrate that the insured has failed to take action reasonably requested by the insurer to prevent a future similar occurrence of damage to the insured property.”
Florida Statute 627.4133(6)
If they ask you to fix the cause (replace the water heater, re-pipe a line), do it and keep the receipt. That request is the one thing that can undo the protection.
Is flood damage the same as water damage on homeowners insurance?
Usually not. Most Florida homeowner policies cover sudden water from inside the home, a burst pipe or an appliance leak, and exclude flood, which is water rising from outside. Flood is normally its own policy. We read your policies and tell you which one the loss may belong to before anything gets filed. Sometimes it's both.
What if insurance says the leak was gradual and denies the claim?
Gradual and sudden aren't the same thing, and the difference is in the evidence: the plumber's report, the moisture pattern, the condition of the materials. A denial on those grounds can be reopened with better documentation, and the fee on a reopened claim is capped at 20 percent of what the reopened claim pays.
“Compensation for the reopened or supplemental claim may not exceed 20 percent of the reopened or supplemental claim payment.”
Florida Statute 626.854(11)(a)
Should I dry out water damage before the insurance adjuster comes?
Stop the water and prevent further damage, your policy requires it. But photograph everything first, and keep whatever got removed where a photo can show it. Keep every receipt for the emergency work; it's part of the claim. Then call us.
Start with a free assessment
Tell us what you found. We'll look, tell you what it means, and you decide. No cost, no obligation. Sending the form doesn't hire us.