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Water Damage

Have you experienced water damage? Central Florida Property Claims is available for you 24/7, with an expert team of Central Florida Public Adjusters ready to help fix any problem from day one - we represent and manage insurance claims for commercial properties too!

Water Damage

Water damage cleanup is often time-consuming and challenging. This type of damage to your home can also cause problems like mold growth, which endanger your family's health. Going through the insurance claims process, however, is not straightforward. You need an expert on your side. Insurers view water damage as an uncertain prospect. Therefore, you should expect to prove that the water damage is covered under your policy and not the result of a flood. If there is any doubt about whether the water damage originates from a source included in your policy, your insurance company will drag out the claims process. Central Florida Property Claims is always available to help. Our team of public adjusters stands by you through the insurance claims process and helps manage the insurance company so that you get the outcome you need. Our services mean you get what you need without the traditional insurance company hassle.

Common Problems with Water Damage

Water damage comes in clear, grey, and black, which indicates the level of cleanliness of the water that did the damage. Each requires a specific type of cleanup to ensure your home remains habitable for years to come.

Common Water Damage Sources:

  • Broken appliance hoses

  • Damage to your home's exterior

  • Appliance overflows

  • Leaking pipes

  • Ground seepage

  • Flooding

  • Blocked drains

  • Sprinkler system malfunctions

  • Severe weather

While some of these risks can be minimized with proper maintenance, most happen without warning. You can do everything right and still experience a dishwasher overflow, for example. This fact is what makes water damage tricky with insurance companies. Water damage is also one of the types of property damage that could fall under one of a few insurance policies. That means you must ascertain which insurance company you need to submit a claim to, usually between flood and homeowners. Having an insurance expert on your side ensures the proper claim is filed.

Insurance Company Tricks for Water Damage

The goal of an insurance company is to pay out as little as possible while still giving you enough to keep you as a customer. They have many tactics to accomplish this goal, and you may need a skilled set of eyes to spot the challenging ones. As mentioned, the first tactic an insurance company mat try is contesting the source of the water leak. In the case of a flood, the claim must go to flood insurance. Unfortunately, many events prevent definitive identification, which usually works in favor of the insurance company. Insurers sometimes also attempt to use the fine print of your insurance policy, even if something is not actually in the fine print. Reading through your policy is a difficult task unless you have experience with legal contracts. Once you find the appropriate clauses, you may need to argue with multiple customer service team members to get to the conclusion you want. Another tactic insurance companies use is questioning the value. The insurer may question the value of your belongings that need replacement, or they may challenge the bill for repairs. This step delays the repair and replacement processes and stresses you while locating the actual value while experiencing a disaster. While unlikely, the insurance company may also flout out deny the claim. Doing so adds many steps to your process and is frustrating. Insurance companies tend to hold this as a last resort for water damage as it can cause you to change companies when it's convenient. Insurance companies may also employ other tricks to slow down your claim, frustrate you, and delay your payout. These tactics help the company retain money. However, with an experienced eye, you can avoid much of the frustration.

Central Florida Property Claims Can Help

The Central Florid Property Claims team provides public adjusters. These insurance professionals have all the education and experience to help you navigate the insurance claims process. When you contact us, you'll connect with a team that truly cares about your claim. A public adjuster does two things for you. One, public adjusters are well-versed in all aspects related to insurance, and two, a good public adjuster can manage your claim. That means the insurance company contacts them instead of you, so you can focus on what matters to you. Whether you have a small area of water damage in one room or whole areas that need water damage repair. Contact Central Florida Property Claims. Our team serves Orlando, Tampa, Daytona, and The Villages for your convenience.

Types of residential and commercial damage we manage:


What are the next steps?

  1. Free initial consultation which includes an inspection, damage assessment and policy review.

  2. We will then schedule and attend an inspection with your insurance company’s adjuster.

  3. Once our reports are complete, we will start negotiations to get your claim settled.


We are here to make this process simple and hassle free for you!


Get A FREE Inspection Today

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