Water damage is one of the most common reasons Florida homeowners file insurance claims, with 1 in 14,000 homes experiencing this type of loss nationally each day. From storms to plumbing and roof leaks, water damage can cause thousands of dollars in immediate damage. And if not properly handled, the resulting mold can be a disastrous multiplier.
If you live in Jacksonville or Northeast Florida, it’s important to read your specific policy carefully and understand what it includes—doesn’t include—before disaster strikes.
Most standard homeowners insurance policies in Florida include water damage in “Part A – Dwelling” coverage. This means that unless a specific maximum dollar coverage cap is noted, the policy will cover damage mitigation and repairs/replacements up to the full value of the home. Here are some typical qualifiers for water damage claims:
- Sudden/Accidental
- An unexpected plumbing failure, storm damage roof leak or overflow that is quickly observed and reported no more than 10-14 days from date of the event
- Not Due to “Wear & Tear” or Lack of Maintenance
- Examples include roof, siding and window leaks not related to storm events, a known plumbing leak that goes unrepaired for an extended period, workmanship defects, etc.
- Examples include roof, siding and window leaks not related to storm events, a known plumbing leak that goes unrepaired for an extended period, workmanship defects, etc.
- Duty to Mitigate
- YOU as the policyholder have a responsibility to help minimize the loss and protecting against additional damages – this is why you should call All Dry Services of Jacksonville FIRST before calling your insurance company
Mold coverage in Florida has become more elusive and is typically an add-on “endorsement” or “rider” in your policy that increases your premium payment. These almost always contain a maximum claim cap ranging from $5-15,000 less your deductible. Many people are shocked to discover that mold remediation isn’t included or is very limited, and just like water damage, certain qualifiers can trigger a claim denial.
Common Exclusions in Florida Homeowner Policies
- Flood Damage
- Standard homeowners insurance does not cover groundwater flooding caused by heavy rain, storm surge, or rising water from streams, rivers and lakes.
- You need a separate flood insurance policy through FEMA’s National Flood Insurance Program (NFIP) or private insurers.
- Standard homeowners insurance does not cover groundwater flooding caused by heavy rain, storm surge, or rising water from streams, rivers and lakes.
- Gradual Leaks or Neglect
- Long-term issues like slow pipe leaks, seepage through cracks, or failure to maintain fixtures are usually excluded.
- Long-term issues like slow pipe leaks, seepage through cracks, or failure to maintain fixtures are usually excluded.
- Mold from Untreated Water Damage
- Mold remediation is often limited or excluded unless it results directly from a covered water event and you act quickly.
- Mold remediation is often limited or excluded unless it results directly from a covered water event and you act quickly.
- Sewer or Drain Backup
- Backup from municipal sewer lines, septic or sump pump failure often requires optional sewer backup coverage.
- Backup from municipal sewer lines, septic or sump pump failure often requires optional sewer backup coverage.
Tips for Filing a Water Damage Insurance Claim in Florida
If you experience water damage in Jacksonville or anywhere in Florida:
- Act Quickly – Call a water restoration company like All Dry Services of Jacksonville FIRST to stop further damage. Insurance companies may deny claims if you delay.
- Document Everything – Take photos and videos of the damage before cleanup begins.
- Save Receipts – Keep invoices for repairs, cleanup, and any temporary living expenses.
- Review Your Policy – Look for exclusions, deductibles, and claim limits.
- Use Professional Help – A qualified, reputable restoration company like All Dry Services of Jacksonville can help document and support your claim.
Why This Matters in Jacksonville and North Florida
With frequent storms, hurricanes, and high humidity, Jacksonville homeowners are especially vulnerable to water damage. Knowing what’s covered—and carrying additional flood or sewer backup insurance if needed—can save you thousands in the long run.
Trust All Dry Services of Jacksonville for Water Damage Restoration
At All Dry Services of Jacksonville, we understand how stressful water damage and insurance claims can be. Our team not only provides 24/7 emergency water extraction and drying services, but we also work closely with homeowners and insurers to ensure claims are handled properly.
Whether it’s burst pipes, storm damage, or hidden leaks, All Dry Jacksonville is your trusted partner in water damage restoration.
Call All Dry Services of Jacksonville today for a free inspection and expert help with water damage insurance claims.