Jacksonville Homeowner Wins Cast Iron Pipe Water Damage Claim After Insurance Denial

Jacksonville, Florida Homeowner Wins Cast Iron Pipe Water Damage Claim After Insurance Denial

Case Overview

Our client, a Jacksonville homeowner, suffered extensive interior water damage due to deteriorating cast-iron drain pipes beneath their home. Despite clear signs of corrosion and backups affecting multiple areas of the property, the homeowner’s insurance company denied the claim, citing “wear and tear” and “age-related deterioration” exclusions.

The Challenge

The insurer’s adjuster claimed the damage was not sudden or accidental, attempting to exclude coverage for the resulting water intrusion and property damage. The client came to Williams Law Association, P.A., after months of unanswered calls and mounting repair costs, feeling frustrated and unsure about how to move forward.

Our Approach

Our team thoroughly investigated the full scope of the loss, engaging plumbing and structural experts to document the condition of the pipe system and the pattern of water damage throughout the home. We demonstrated that the water intrusion was a direct result of a sudden failure in the cast iron system, a peril covered under the policy, and that the insurer’s reliance on exclusionary language was improper under Florida law.

The Result

After aggressive negotiation and evidence presentation, Williams Law Association, P.A. secured a six-figure settlement for the homeowner, covering the costs of complete pipe replacement, flooring, drywall repairs, and alternative living expenses. The claim was initially denied, but with our firm’s representation, the client received the compensation they needed to restore their home and peace of mind.

Why It Matters

Thousands of Florida homeowners face similar denials when their old cast-iron systems fail. Insurers often attempt to minimize or deny these claims; however, the law supports coverage for resulting water damage when policyholders act promptly and seek qualified legal assistance.

At Williams Law Association, P.A., we fight back against wrongful denials and lowball offers in property damage claims across Florida, including those involving cast iron plumbing, water intrusion, and hidden pipe system failures.