Does insurance cover water damage in Florida?

Question

Accepted Answer

In most cases, yes — Florida homeowners insurance covers sudden and accidental water damage such as burst pipes, appliance failures, and storm-related roof leaks. However, flooding from outside requires separate flood insurance (NFIP or private), gradual leaks may be denied as maintenance issues, and sewage backup requires a specific policy rider. Always file your claim within 24 hours and document all damage thoroughly.

Insurance Coverage Quiz

What caused the water damage?