File Your Florida Water Damage Claim Right
Step-by-step guidance to document, report, and maximize your water damage insurance claim in Florida.
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FAQ
What are the first steps I should take after water damage occurs in my Florida home?
Stop the water source immediately if possible, then document all damage with photos and videos before moving anything. Notify your insurance carrier within 24–72 hours, as Florida policies often require prompt reporting. Make only temporary repairs—such as placing tarps or extracting standing water—to prevent further damage, and save all receipts since these costs are typically reimbursable under your policy.
How long does a Florida insurer have to process my water damage claim?
Under Florida Statute 627.70131, your insurer must acknowledge your claim within 14 days and either pay or deny the claim within 90 days of receiving your proof-of-loss statement. If the insurer misses these deadlines without a valid reason, you may be entitled to interest penalties on the claim amount. Keeping a written log of every communication with your adjuster helps protect your rights if disputes arise.