Water Damage

Get the Compensation You Deserve After Water Damage 

The damage is immediate when water invades your home, but the battle with your insurance company can drag on for months. If your Florida homeowner’s insurance claim is being ignored, underpaid, or unfairly denied, you’re not alone and don’t have to handle it alone.

At Williams Law, P.A., we help Florida homeowners stand up to the insurance companies and fight for every dollar they’re owed after water damage. Whether it was a burst pipe, roof leak, storm damage, or plumbing failure, our legal team is ready to take over your claim and protect what matters most.

Types of Water Damage Claims We Handle

We represent Florida homeowners in claims involving:

• Pipe bursts and Plumbing Failures
• Roof leaks and Structural Water Intrusion
• Slab Leaks and Foundation-Related Water Damage
• Storm-Related Water Infiltration
• Air Conditioning System Overflows

Regardless of the cause, you have a right to be paid fairly and promptly if your policy covers the damage.

Understanding Your Insurance Policy Coverage

Not all water damage is covered equally. We help clients interpret confusing policy terms, including:

• Sudden and Accidental Damage: Covered under most homeowners’ policies.
• Gradual Damage: Often excluded unless hidden (e.g., pipe leaks inside walls).
• Flood Damage: Requires separate flood insurance coverage.
• Sewer and Drain Backup: Typically, add-on coverage is optional.

A detailed review of your policy is essential to establishing a strong claim.

Third-Party Water Damage Claims Explained

When another party’s negligence causes your water damage (e.g., a plumber, condo neighbor, or roofing company), you may have a third-party claim. This involves:

• Gathering evidence against the at-fault party.
• Filing claims directly with their insurance carrier.
• Filing lawsuits if their insurance refuses fair settlement.

Third-party claims add complexity but often lead to greater recovery beyond your own insurance policy limits.

How Insurance Companies Undermine Water Damage Claims

Insurance companies often use these tactics to minimize or reject payouts:

• Blaming Pre-existing Damage
• Claiming Maintenance Issues 
• Undervaluing Repair Estimates
• Delaying Claim Processing
• Requesting Unnecessary Inspections or Documentation

Don’t go up against the insurance company alone. Our firm understands the fine print in Florida home insurance policies, and we know how to hold insurers accountable when they act in bad faith.

Challenges Florida Policyholders Face in Water Damage Claims

We regularly help clients overcome insurance company tactics such as:

• Denial based on long-term damage exclusions
• Accusations of “maintenance neglect”
• Exclusions for gradual leaks or seepage
• Mischaracterizing damage as “cosmetic only”
• Lowballing repair costs or refusing full replacements
• Refusal to pay tear-out and access costs
• Delays in assigning adjusters or responding to submitted claims

Florida insurers are required to act in good faith. When they don’t, we pursue supplemental claims, reinspection requests, and legal action as needed.

Water Damage in Commercial Properties and Condominiums

Water loss in commercial properties or multi-family housing can be especially complex. We help:

• Condominium boards and HOA with building-wide plumbing damage
• Retail owners recovering from merchandise and income losses
• Office buildings with HVAC and roof leak-related disruptions
• Apartment complexes dealing with tenant complaints and repairs

We assist in completing sworn proof of loss, interpreting commercial policy language, coordinating inspections, and negotiating business interruption claims.

Filing a Supplemental or Reopened Claim in Florida

You may still be eligible to reopen your claim if you’ve already received a payout but discovered hidden, missed, or worsening damage. Florida allows:

• Supplemental claims for overlooked losses
• Reinspection requests if the adjuster missed key areas

Williams Law, P.A., expert insurance claim lawyers, often recover thousands more for clients who thought their claim was settled.

What We Do to Help You Recover

Our lawyers:

• Review and explain your policy
• Handle all claim paperwork
• Arrange independent inspections
• Work with repair experts to value losses
• Dispute low settlements or denials
• File lawsuits if needed to force payment

We don’t just handle claims—we win them.

Why Choose Us for Your Water Damage Insurance Claim?

Our firm’s unique advantage lies in our focused experience, aggressive negotiation tactics, and deep understanding of Florida insurance law. We’ve helped countless homeowners recover what they’re rightfully owed after pipe bursts, roof leaks, storm flooding, or appliance malfunctions. We know how to cut through red tape, expose bad faith tactics, and fight for full compensation.

• Decades of experience handling complex water damage claims throughout Florida
• Former insurance defense insight—we know how insurers think, and we use it against them
• No recovery, no fee—you pay nothing unless we win your case
• Proven results recovering millions for wronged policyholders

Get a Free Water Damage Claim Review Today

If you’re dealing with water damage to your home or business, don’t let your insurance company take advantage of you. Contact Williams Law, P.A. today for a free consultation. Our experienced Florida water damage claim lawyers are here to help you navigate the claims process, fight for fair compensation, and protect your rights.