Leaks of water are among the most expensive and frustrating problems Florida homeowners have to deal with. Leaks caused by a broken pipe, a faulty water heater, or hidden plumbing issues can cause serious damage to floors, ceilings, and furniture. Your homeowners’ insurance might cover the damage, but getting a fair settlement can be a challenge. Insurance companies will often deny or underpay claims for water leaks, citing existing damage or maintenance problems. You’ll want to start building a solid case right away if you want to maximize your payout.
Florida Homeowners: Steps to Boost Your Water Leak Claim Settlement
1. Act Quickly To Stop the Leak and Prevent Further Damage
Stopping the water immediately is the first and most crucial step. Close the main water valve, and call a professional plumber if necessary. Homeowners are required to take reasonable measures to prevent further damage under their insurance policies. Your insurer may argue that you delayed and made the damage worse, reducing your payout.
2. Document Everything Before Cleaning Up
Document the damage before you begin repairs or cleaning. Take pictures and videos of all the affected areas — including walls, ceilings, and floors, as well as furniture and personal items. Take photos and videos of the source of the leak (such as a broken appliance or pipe) and any damage that results.
Keep receipts from emergency services, such as plumbing or water extraction. The costs of emergency services such as water extraction or plumbing repairs are usually reimbursable.
3. Review Your Policy With Care
Some water damage may not be covered. The majority of policies cover sudden or accidental leaks but exclude gradual or repetitive leaks due to wear and tear. Check your policy for any exclusions relating to mold, foundation damage, or long-term leaks.
You may be able to increase your payout if you have additional endorsements, such as water backup coverage or extended dwelling insurance. Understanding your policy helps you to challenge low settlement offers.
4. Get a Professional Estimate
Do not rely on the estimate of the insurance adjuster. Their goal is to reduce costs for the insurer. You can hire a licensed contractor to give you an independent estimate. It is important to accurately assess the extent of any damage, including hidden mold or water damage.
5. Keep a Claim Journal
Keep a record of all communications with your insurer, including dates, names, and summaries. The paper trail is a powerful tool in the event of a dispute.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Anne is a Homeowners Insurance Attorney St Petersburg FL. She focuses on insurance claims and property damage. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your situation.
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