Water damage can devastate your home, but the right approach to filing a claim can help you recover quickly and effectively. At Warner & Fitzmartin, we’ve seen how homeowners can protect their rights and maximize recovery. Here are the top strategies for filing a successful water damage claim in Florida.

1. Understand Your Insurance Policy

The most critical step is understanding your policy. Florida insurance policies are notoriously long and complex, with hidden provisions that may limit your recovery. Many homeowners don’t realize that annual policy renewals can include endorsements, which drastically alter the terms. For example, a common provision limits water damage claims to $10,000—leaving you with less coverage than expected. Knowing your policy’s details can prevent unpleasant surprises when you file a claim.

2. Know the Limitations on Water Damage Coverage

In many cases, homeowners discover too late that water damage mitigation services, like drying and repairs, come out of their coverage limit. This could leave you with little to no funds for necessary home repairs. Review your policy carefully, especially regarding water damage caps, so you’re prepared to make informed decisions when hiring professionals.

3. Act Quickly to Mitigate Damage

After water damage occurs, mitigating the damage is crucial. Whether from a plumbing leak, air conditioning failure, or burst pipe, homeowners must stop the water flow as soon as possible. Learn how to turn off the water in your home before disaster strikes and promptly bring in professionals to prevent further damage.

If you’ve experienced water damage, contact Warner & Fitzmartin immediately at (561) 816-5983. Our experienced attorneys will help you navigate your insurance claim, find professionals to assess the damage, and get your home back to normal.