No home or business is completely safe from the risk of water damage. Water damage can lead to costly repairs and lost income for your property. 

What are the most common insurance claims for water damage?

The most common insurance claims for water damage are sewer backups, burst pipes, and flooding. When you file an insurance claim for water leak, the insurance company will determine if it was due to a sewer backup or flood versus your property malfunctioning.

If the evidence points to sewer backup or flood as the cause of your problem, the insurance company will send out their adjuster to give you a formal estimate for the repairs. For burst pipe damage, your insurance company may offer up to $500 in coverage depending on your deductible and policy limits.

Homeowners often take advantage of this additional protection by purchasing an endorsement covering water-related events such as broken pipes or sprinkler leaks. Typically, these are referred to as “water backup” endorsements.

What does a water backup endorsement cover?

A water backup endorsement is designed to provide coverage for instances that aren’t typically covered in regular homeowners insurance policies. This includes damage from flooding, surface water, water that backs up from sewers, and overflows through a sump pump.

How do I file a claim with my insurance company?

To report a water damage claim, you will need to contact your insurance company and file an official notice of loss. This notice should include the date and time that the incident occurred, where it took place, and whether any personal property was involved. Other details include how much coverage is on your policy, the type of damage, and who is determined to be responsible.

Contact Us

Florida Public Adjusting is an insurance claims adjustment company. We can help you with all your water damage needs, including sewer backups, burst pipe coverage, and flooding damages. To learn more about what we do or how to file an official notice of loss, call us today at (305) 590-5932.