Water gets in. Insurers try to get out.
Sudden leaks, pipe bursts, and hidden mold — we force carriers to pay what your policy actually covers.
Water damage is the most disputed type of homeowner claim in Florida — and mold makes it worse. Carriers use narrow policy exclusions, sub-limits, and 'gradual damage' arguments to deny or drastically underpay legitimate losses. We know every one of those playbook moves.
If you have a burst pipe, a hidden leak, a failed appliance, or visible mold behind a wall, we can help you get what your policy actually promises.
Pipe bursts and plumbing leaks
Toilet, dishwasher, and water heater failures
AC condensation and drain line leaks
Hidden slab leaks
Roof leak water damage
Post-storm interior water intrusion
Mold remediation coverage
Denied 'gradual damage' claims
How Florida water damage claims get denied.
Carriers argue "wear and tear," "long-term seepage," or "constant repeated leakage" — excluded under most policies. The truth is often the opposite: a specific event caused the loss, and coverage applies. We prove it with independent expert inspections.
Mold coverage in Florida.
Florida policies typically include a mold sub-limit (often $10,000, sometimes higher). When mold results from a covered water loss, the carrier owes remediation, testing, containment, and reconstruction — up to that limit. Many insurers pay only a fraction of what's owed. We know how to demand the full sub-limit and the associated repair costs.
Questions we hear.
My insurer says the water damage is 'gradual' and not covered. Is that true?
Not usually. Carriers routinely mislabel sudden losses as 'gradual' or 'wear and tear' to deny claims. We bring in independent plumbers and engineers to prove the true cause.
Does homeowners insurance cover mold?
Most Florida policies cover mold when it results from a covered water event, subject to a sub-limit. Coverage depends on the policy language and the cause. Send us your policy — we'll tell you where you stand.
How fast do I need to act on water damage?
Fast. You have a duty to mitigate — dry the area, stop the source, and document everything. Then call us before signing anything with the carrier or the restoration company.
Ready to talk to an attorney?
Free case review. No fees unless we win. We answer the phone.