Plumbing Insurance Claims in Florida

Plumbing issues are common for Florida homeowners due to the state’s humidity, aging infrastructure, and severe weather risks. Knowing how to navigate plumbing insurance claims can save you stress and money.

Plumbing insurance is not a separate policy—it refers to the coverage under your standard homeowners insurance. It protects against sudden and accidental water damage from plumbing issues like burst pipes or leaks. However, coverage depends on your specific policy.

Typically covered:

• Burst pipes due to freezing or pressure

• Water damage to property from plumbing failures

• Sewer backup (if your policy includes an endorsement)

• Storm-related damage, unless caused by neglect

Generally not covered:

• Gradual wear and tear

• Damage due to poor maintenance

• Long-term mold or slow water damage

• Faulty installation or bad workmanship

• Shut off the water supply

• Remove belongings from the affected area
  
  
• Take photos/videos of the damage

Understand what’s covered, any special endorsements (like sewer backup), and your deductible.

 We’ll notify your insurer promptly and ensure your case is presented properly.

 A plumber’s report is key for your claim. Ensure it’s detailed and professional.

 With our help, gather and submit:

• Photo/video documentation

• Plumber’s report or estimate

• Receipts for emergency repairs

 Provide all documents, be transparent, and let us assist with any clarification needed.

• Maintain your plumbing system – Insurers may deny claims due to neglect.

• Add policy endorsements – Consider flood or sewer backup coverage.

• Keep documentation – Track all repairs and past issues.

• Act fast – Prevent further damage and show your diligence.

• Understand local risks – Florida’s climate increases the chance of slab leaks and related issues.

Plumbing problems are inevitable in Florida. With the right steps—knowing your policy, acting quickly, and seeking professional help—you can maximize your chances of a successful claim. FGC Attorneys can analyze your coverage, file your claim, and manage communications with your insurer to protect your rights and property.