Common Mistakes Homeowners Make When Filing Water Damage Claims in Florida 💧

Water damage is one of the most frequent and costly types of property loss in Florida. From burst pipes to roof leaks and appliance failures, homeowners often find themselves navigating complex insurance claims under stressful conditions. Unfortunately, many claims are denied or underpaid due to avoidable mistakes. 

Here are the most common errors homeowners make when filing water damage claims and how to avoid them.

1. Delaying the Claim Notification

Florida insurance policies typically require that damage be reported promptly, and many explicitly state that claims must be filed within 72 hours of discovering the damage. Waiting weeks or worse, months can lead to denial based on late reporting. Even if the damage seems minor, notify your insurer immediately and document the date of discovery.

Tip: Keep a written log of when the damage occurred, when it was discovered, and when you contacted your insurer. If you're past the 72-hour window, be prepared to explain the delay with supporting documentation.

2. Failing to Mitigate Further Damage

Homeowners are responsible for preventing additional damage after the initial incident. That means shutting off water sources, drying affected areas, and hiring professionals if needed.

Mistake: Waiting for the insurance company to inspect before taking action can be interpreted as negligence.

Solution: Take reasonable steps to protect your property and keep receipts for any emergency repairs or mitigation services.

3. Inadequate Documentation

Photos, videos, and written descriptions are essential. Many homeowners rely solely on verbal reports or incomplete evidence, which weakens their claim.

Best Practice:

• Photograph the damage from multiple angles.

• Include timestamps if possible.

• Save all receipts, invoices, and professional reports (e.g., leak detection).

4. Allowing the Insurance Company to Control the Narrative

Insurance adjusters work for the carrier not for you. Accepting their version of events or repair estimates without question can result in underpayment.

Recommendation: Consult with a licensed Public Adjuster or Loss Consultant to independently assess the damage and policy coverage.

5. Overlooking Policy Exclusions and Limitations

Not all water damage is covered. For example, gradual leaks, or flood damage may be excluded or require separate policies.

Action Step: Review your policy carefully or have it professionally analyzed. Understanding your coverage before a loss occurs is the best form of protection.

Water damage claims are time-sensitive and documentation heavy. Avoiding these common mistakes can significantly increase your chances of a fair settlement.

As part of our mission at Trust Claims Consultants, we empower homeowners with the knowledge and tools to protect their property and rights. If you’ve experienced water damage and need guidance, don’t hesitate to reach out. Your home deserves more than a rushed inspection, it deserves a thorough, ethical, and strategic approach.

📲 Call us today or schedule your free inspection and policy review.

This article was written by Sergio Antonio Mora, Licensed Public Adjuster in the State of Florida (License No. G024380). With extensive experience in insurance claims advocacy, Sergio is dedicated to educating homeowners and advancing consumer protection through strategic, ethical, and accessible solutions.