Water Damage Insurance Claims Lawyer in Florida

Frequently Asked Questions (FAQs)

Does my homeowner policy cover flood damage in Florida?

In many states, flood damage is excluded from most standard homeowner’s insurance policies. Usually, you’re required to obtain separate flood coverage through a public entity such as the National Flood Insurance Program or FEMA. Alternatively, you can obtain flood coverage through a local and authorized private carrier. Be sure to check your policy so you understand what it will cover in the event of a flood. It may cover little to no damage, which means you’ll probably need another policy that will.

Does my policy cover property damage from a sewer backup in Florida?

When the damage is caused by a backed-up drain or sewer or a failed sump pump, most insurance policies will not provide coverage. It’s possible that your plan will include some added endorsements that will allow limited coverage for sewer, sump pump, or drain backups. It’s essential to read your insurance policy carefully to determine the scope of your water damage coverage and whether any exclusions may exist. Another option is to purchase a rider for sewer back-up costs.

Is home damage from rain or snow covered in Florida?

Your insurance policy may cover water damage from wind-driven rain or snow and collapsed roofs from ice dams. If it is determined that a covered weather event or condition caused the damage, your policy should cover the costs. If it is determined that the water entered your home because of a corroded or rotten roof or siding, your insurance won’t cover it. It’s best to check with your policy before disaster strikes. Know what your policy covers. If necessary, buy additional coverage from an outside source for added security. 

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