Florida Homeowners Insurance and Water Damage

There are several types of water damage, and only some are covered under a standard Florida homeowners insurance policy. Damage from sudden and accidental events — such as burst pipes — is typically covered. Flooding, however, is excluded and requires a separate flood insurance policy. Below is a quick overview of how water damage coverage works in Florida.

What to Do When You Experience Water Damage

If you experience water damage, contact your Florida homeowners insurance company immediately — through your agent or directly. Notify them verbally and in writing within seventy‑two hours. Provide details such as emergency services used, mitigation steps taken, and any actions to prevent mold.

Your agent may confirm that the water source has been shut off and may recommend contacting a plumber or mitigation company. You may choose any vendor you prefer — even if they are not on the insurer’s preferred list — but inform your agent before repairs begin.

Your insurer will assign an adjuster to inspect the damage and review repairs. Florida law requires insurers to respond to claims within fourteen days. The adjuster will determine whether the loss is covered and provide an initial estimate. In large‑scale disasters, the fourteen‑day requirement may be waived.

Florida Homeowners Insurance Perks

Some policies include “additional living expenses” (ALE), which cover temporary costs if your home becomes uninhabitable. ALE may include food, lodging, transportation, storage, or other necessary expenses. Review your policy or speak with your agent to confirm what applies.

Mold resulting from water damage can significantly increase repair costs. Check your Florida homeowners insurance policy for mold limits or exclusions. While there are no statewide mold remediation standards, insurers can provide reputable contractor lists. Always verify licensing, insurance, and references, and keep your adjuster updated throughout the process.

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Updated May 2026