Water from broken supply lines, failed valves, or cracked drain pipes can ruin cabinets, flooring, and walls. Before filing a plumbing damage claim, it is essential to understand how Florida’s policies and timelines work. The legal team with Kuhn Raslavich, P.A, guides clients through these steps across the state, and we’re ready to do the same for you.
Key Florida Rules
Florida law sets strict and short timelines for property owners to file claims related to plumbing damage. In most cases, you must report property losses within one year of the date of loss. Supplemental claims must be reported within 18 months of the loss date.
Once the claim is filed, the insurance carrier must acknowledge it within seven days and issue a payment or denial within 60 days, unless the failure to pay is caused by factors beyond the control of the insurer. Interest can apply when payments arrive late. Our attorney team will gather proof-of-loss forms and inspection records quickly so the clock stays in your favor and no statutory deadline is missed.
Florida insurance policies often draw a clear line between sudden, accidental discharge and long-term leakage. That distinction matters when water originates from plumbing lines, fittings, or appliances. If the plumbing issue occurred due to rust, corrosion, or wear, the insurance company could be within its legal rights to deny your claim – unless your policy contains an endorsement that covers you for those conditions. On the other hand, most policies cover sudden problems, such as a burst line or a pipe break that occurs unexpectedly.
Documents That Strengthen a Plumbing Claim
Strong documentation often determines whether a plumbing claim moves smoothly or faces delay. Plumber reports and clear repair photos all help establish the cause and timing of the water damage. When your lawyer organizes these materials in a clean proof-of-loss package, that can shorten the review process and reduce the need for repeat inspections.
If a disagreement with the insurer remains, Florida’s mediation program offers an efficient, non-adversarial path before appraisal or litigation. The state also provides pre-suit notice procedures with specific timelines for reinspection when coverage is disputed. Our lawyers will select the most effective route for your claim and manage the process from the initial notice through to resolution.
If possible, ask the plumber to specify in writing whether the break was sudden and accidental or a long-term condition. This single detail can make the difference between a valid payout and a denial.
Common Reasons Plumbing Insurers Deny Claims
Insurers frequently deny plumbing claims when they detect evidence of long-term seepage, missing maintenance, or multiple leaks in the same location. They may also reject claims that appear tied to corrosion, rust, or pre-existing wear. As the policyholder, you have the right to request the carrier’s detailed estimate and a written explanation connecting the decision to the facts of your claim.
Florida law continues to protect your rights even after a denial. If a carrier fails to make payment within the 60-day window and the delay is unjustified, it could owe you interest on the unpaid amount. We will demand those documents promptly, compare them against your inspection evidence, and pursue every available remedy under Florida law. Kuhn Raslavich, P.A. property insurance claims attorneys will ensure that your plumbing damage claim receives the timely, fair treatment the law requires.
Kuhn Raslavich, P.A. Can Help When Filing a Plumbing Damage Claim
We will gather the proof promptly, hold the carrier to statutory deadlines, and pursue payment where the policy covers a sudden discharge. Our attorneys will move the case through Florida mediation or take other required steps to help you get the money you deserve. Request your free case review by calling Kuhn Raslavich, P.A. at 877-352-7767 or contacting us online.
FREQUENTLY ASKED QUESTIONS (FAQ):
What are the deadlines for filing a plumbing damage claim in Florida?
Florida law requires property losses to be reported within one year of the date of loss. Any supplemental claims must be filed within 18 months of the loss date.
Does my insurance policy cover all types of plumbing leaks?
No. Florida insurance policies often distinguish between sudden, accidental discharge (which most policies cover) and long-term leakage, rust, corrosion, or wear, which can be denied unless your policy includes a specific endorsement for those conditions.
What documents can strengthen a plumbing damage claim?
Strong documentation is essential, including plumber reports and clear repair photos that establish the cause and timing of the water damage. It is also advised to get the plumber to specify in writing whether the break was sudden and accidental or a long-term condition.