Your Guide to Water Damage Insurance Claims in Florida

How to File a Water Damage Insurance Claim in Florida | Edwards Property Remediation
Confused about water damage insurance claims in Florida? Learn how to document your loss, file properly, and get help from trusted professionals.

Introduction

Water damage is stressful enough — but dealing with your insurance company afterward can feel overwhelming. At Edwards Property Remediation, we work with homeowners across West Palm Beach to not only restore their properties but also guide them through the insurance claim process.

If your home or condo has suffered water damage, here’s everything you need to know about filing a claim, getting coverage, and avoiding common mistakes.

1. Know What Your Insurance Covers

Most standard homeowners insurance policies in Florida cover:

  • Sudden pipe bursts
  • Appliance malfunctions (e.g. washer, dishwasher, A/C overflows)
  • Water heater leaks
  • Accidental overflow of water or steam

They usually do not cover:

  • Gradual damage from long-term leaks
  • Flooding (this requires separate flood insurance)
  • Sewer backups (unless you have specific coverage)

✅ Tip: Review your policy’s fine print or ask your agent to explain what is and isn’t covered.

2. Take Immediate Action to Prevent Further Damage

Insurance policies require you to mitigate the damage as soon as it’s safe to do so. Waiting too long can lead to denial of coverage.

Here’s what to do:

  • Shut off water and electricity to the affected area
  • Take photos and videos of all damage
  • Call Edwards Property Remediation for 24/7 water mitigation
  • Keep records of everything — receipts, estimates, and professional service calls

3. Document Everything

Proper documentation is critical for a successful claim:

  • 📸 Take clear, time-stamped photos of all affected areas
  • 🧾 Save receipts for temporary housing, drying equipment, and services
  • 📝 Write down a timeline of what happened, when it happened, and how you responded

4. Call Your Insurance Company

Once the situation is under control, notify your insurer and start the claims process:

  • Provide your documentation
  • Request an adjuster visit ASAP
  • Get your claim number and keep it handy

5. Work with a Restoration Company that Understands the Process

Not all contractors know how to handle insurance claims. At Edwards Property Remediation, we:

  • Provide detailed estimates using industry-standard pricing (Xactimate)
  • Communicate directly with your adjuster when needed
  • Offer scope of work reports, moisture readings, and daily progress logs

This makes it easier for your claim to be processed quickly and fully.

6. Be Cautious of Public Adjusters (Optional Step)

In some cases, you may want to hire a public adjuster if:

  • Your claim is denied
  • The payout offer seems too low
  • You feel your insurer is delaying the process

Just make sure the adjuster is licensed and experienced with water damage cases in Florida.

7. Final Tip: Don’t Delay

Delaying your insurance claim can:

  • Void your coverage
  • Allow mold to spread
  • Increase your out-of-pocket costs

The faster you act, the smoother the process — and the less damage your home will suffer.

Why Choose Edwards Property Remediation?

  • ✅ Trusted by insurance companies across South Florida
  • ✅ Fully licensed and insured in Florida
  • ✅ Experts in water damage, mold, and structural drying
  • ✅ Detailed paperwork and documentation for claims
  • ✅ Local and available 24/7 in West Palm Beach

Conclusion

Dealing with water damage is hard enough — your insurance claim doesn’t have to be. At Edwards Property Remediation, we’re here to walk you through the cleanup and the paperwork.

📞 Call (754) 221-6945 for Immediate Help
📅 Start Your Insurance-Supported Restoration Today