Burst Pipes & Supply Lines
A pipe lets go inside a wall and floods three rooms in an hour. Cast iron, CPVC, braided supply lines — sudden failures are exactly what your policy is built to cover.
Florida water damage insurance claims, fought and won
A burst pipe doesn't ask permission, and a hidden leak doesn't announce itself. When water wrecks your Florida home, the carrier's first instinct is to call it "wear and tear." Armada's licensed public adjusters trace every drop, document the real loss, and fight for the settlement your policy actually promises.
Water Claims
The water losses we handle
If plumbing, appliances or water heaters put water where it doesn't belong, your water damage insurance claim deserves a professional on your side of the table — not just the carrier's.
Water Heater Ruptures
Forty gallons on the floor before you hear a thing. Tank failures soak flooring, baseboards and adjacent rooms — and the damage rarely stops where the puddle does.
Appliance Failures
Dishwashers, washing machines, ice-maker lines and AC drain pans fail quietly — often overnight. We document the discharge and the full path of the water.
Slow Hidden Leaks
The most disputed water claims in Florida. A drip behind a shower wall runs for weeks before you see the stain — then the carrier reaches for the seepage exclusion. We push back.
The denial playbook
"Wear and tear" is a tactic, not a verdict
Water claims are among the most denied and underpaid insurance claims in Florida. Carriers rarely say "no" outright — they reclassify. Here's what to watch for.
The "wear and tear" reclassification
The adjuster admits water damaged your home, then blames age, deterioration or maintenance so the loss falls outside coverage. Sudden and accidental discharge is typically covered — the label matters, and we contest it.
The 14-day seepage exclusion
Many policies exclude damage from constant or repeated seepage or leakage over a period of 14 days or more. Florida courts have held that damage from the first 13 days may still be covered — a denial isn't the end of the analysis.
Partial scope, partial payment
The carrier pays to patch a ceiling but ignores saturated insulation, warped flooring and the tear-out needed to dry the structure. If that sounds familiar, read our denied & underpaid claims guide.
"That's flood, not water"
Water from your plumbing is not flood. Flood means rising surface water from outside — a separate policy entirely. Don't let a misclassification sink a covered plumbing claim. See our flood damage guide.
The clock is already running
Under Fla. Stat. 627.70132, Florida property owners generally have 1 year from the date of loss to give the insurer notice of a claim — and 18 months for supplemental claims. Water is even less patient: in Florida humidity, mold can take hold in wet drywall within days. The sooner we inspect, the stronger your claim.
Get a free claim review
01
Proving the loss
Moisture mapping & the hidden loss
What you can see is rarely what you've lost. Water travels along pipe chases, under flooring and inside wall cavities, saturating materials that look fine to the naked eye. Armada documents the loss with moisture readings and room-by-room mapping, so your water damage claim reflects the water's full path — not the carrier's snapshot of a single stain.
That documentation drives the scope: what has to be torn out, what has to be dried, and what has to be replaced before your home is actually whole again.
02
Full-scope repairs
Matching, tear-out & the mold clock
Carriers love to pay for a plank, not a floor. When your flooring, tile or drywall can't be matched, a proper claim accounts for continuous, uniform repairs — not a checkerboard patch. We scope the tear-out, drying and rebuild the way a contractor would actually perform the work.
And every wet day matters: in Florida humidity, water intrusion can become a mold problem fast, adding remediation to the loss. If growth has already appeared, move quickly — and read our mold damage guide.
Our process
How Armada handles your water & plumbing leak damage claim
Four steps from soaked to settled — how we run a water damage insurance claim in Florida from first call to final check.
1
Free Inspection
We inspect the damage, take moisture readings and photograph everything — at zero cost and zero obligation.
2
Policy & Cause Review
We review your coverage, exclusions and deadlines, and tie the damage to its sudden, covered cause.
3
We Build the Claim
Full scope — mitigation, tear-out, drying, matching and mold risk — presented so the carrier can't shrug it off.
4
We Fight to Get You Paid
We negotiate, supplement and escalate — through appraisal when needed — for the maximum your policy allows.
Water claim FAQ
Water damage claim questions
Straight answers about coverage, exclusions and deadlines for Florida water and plumbing leak claims.
Usually, yes. Most Florida homeowners policies cover sudden and accidental water discharge —
a burst pipe, a failed supply line, a ruptured water heater. What they don't cover is flood,
meaning rising water from outside the home, which requires a separate flood policy. If your
water came from plumbing, don't let anyone route a covered claim into the wrong bucket.
Many Florida policies exclude damage caused by constant or repeated seepage or leakage of
water over a period of 14 days or more, and carriers lean on that language to deny
hidden-leak claims outright. But Florida courts have held that this exclusion does not
clearly bar damage that occurred during the first 13 days — so a long leak is not
automatically an unpaid leak. Have the denial reviewed before you accept it.
Under Florida Statute 627.70132, you generally must give your insurer notice of a new or
reopened property claim within 1 year of the date of loss, and notice of a supplemental
claim within 18 months. With water losses the practical deadline is even tighter — moisture
spreads and mold can take hold within days in Florida humidity, so call as soon as you find
the damage.
The inspection is free, and we work on a state-capped contingency fee under Florida Statute
626.854 — up to 20% of what we recover on a standard claim, and capped at 10% for claims
arising from a Governor-declared emergency filed within one year of the declaration. If we
don't recover money for you, you don't pay us.
Related claims
Where water claims lead
Water losses rarely travel alone. These guides cover the claims that follow — or the fight when the carrier says no.
Mold Damage
In Florida humidity, yesterday's leak is tomorrow's mold problem. Connect it to its covered cause.
Mold claim guideFlood Damage
Rising water plays by different rules — separate policies, strict documentation, tight deadlines.
Flood claim guideDenied & Underpaid
A denial letter is an opening move, not a final word. We re-open, re-document and re-negotiate.
Denied claim guideSoaked today. Settled properly.
One free inspection tells you what your water damage claim is really worth — before the carrier decides for you.
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