Damage Type
Burst pipes, slab leaks, and plumbing failure claims including hidden water damage and related mold.
Plumbing leaks - from burst supply lines and water heaters to slab leaks and fixture failures - are among the most common Florida homeowners claims. Insurers pay for visible water on day one, then deny hidden damage behind walls, under cabinets, and in subfloors. They reclassify sudden breaks as “gradual” leaks to trigger exclusions. Your Claim Hero traces the source, maps moisture migration, and negotiates for full dry-out, remediation, and repair.
Every leak has a source and a path. We document both before the carrier limits payment to one room.
Policies cover sudden and accidental discharge - not long-term seepage. The timeline you establish drives coverage.
Florida slab-on-grade homes hide leaks until flooring warps, odors develop, or water bills spike.
Some Florida policies cap water damage at $10,000 unless the loss is tied to a covered hurricane or wind event. Carriers apply caps aggressively.
Florida humidity turns a plumbing leak into a mold claim within days. Mitigation timing affects both coverage and health.
Fast action protects your home and your claim file.
We build estimates carriers cannot shrink to one wet corner.
These disputes appear on most plumbing files we handle in Tampa Bay and across Florida.
Hidden leaks may mean the date of loss is disputed - document discovery immediately.
A gradual-leak denial or low first offer is often negotiable with the right evidence.
When a pipe bursts, a slab leak surfaces, or a fixture fails, the insurance company’s adjuster is looking for reasons to call it gradual or maintenance-related. A licensed public adjuster works for you - tracing the leak, documenting migration through walls and subfloor, and building the estimate for full dry-out, remediation, and repair before you accept a stripped-down offer.
No Recovery No Fee. If we aren't successful, you owe us nothing.
Fill out our online form or give us a call. The application takes about five minutes; share basic claim details and you're on your way to the payout you deserve.
Our team schedules an on-site inspection. We document every detail, and often uncover damage you may have overlooked.
We build a detailed Xactimate estimate, negotiate with your insurer, and handle mediation or appraisal. You stay informed 100% while we carry the workload.
Settlement complete, you get paid. Repair, rebuild, or move on with control back in your hands and this claim behind you.
It's so easy to get started.
Start My ClaimMost policies cover sudden and accidental water discharge from plumbing. Slow seepage, wear, and deferred maintenance are typically excluded. The key is documenting that the loss was sudden and the damage that resulted.
Generally no - long-term seepage is excluded. If a pipe suddenly fails or you discover damage from an abrupt event, coverage may apply. Plumber documentation and moisture evidence establish the timeline.
Often yes for resulting damage when the leak is sudden and accidental. The cost to access and repair the pipe depends on policy wording. We document subfloor, flooring, and migration damage separately.
Some policies limit non-storm water damage to $10,000. Storm-related water intrusion may be treated differently. We review your declarations and challenge caps applied to covered sudden losses.
Yes in most cases - burst pipes are classic sudden and accidental losses. Carriers may still underpay hidden damage or argue gradual failure. Document the break and all migration before repairs.
Sudden failure of a water heater or its supply line is often covered, including resulting damage to flooring and walls. Slow rust-through over years may be excluded. Plumber and inspection reports clarify the cause.
When mold results from a covered sudden water event, remediation may be payable subject to mold sublimits. We separate structural dry-out from mold caps on the estimate.
No. You must mitigate to prevent further damage. Document everything, save receipts, and begin licensed dry-out. Failure to mitigate can give the insurer grounds to deny mold and additional water damage.
Notify your insurer as soon as practicable. Florida law generally requires notice within one year of the date of loss, with supplemental claims within 18 months.
We work on contingency - you pay nothing upfront and owe a fee only when we recover funds from the insurance company. No recovery, no fee.
Submit your details and a licensed public adjuster will follow up about your property damage claim.
