Most water damage jobs in Ocala involve an insurance claim. Knowing how claims usually work helps you avoid surprises and get your home fixed faster. This page is general information, not legal or insurance advice; your policy and your insurer decide coverage.
Call (352) 555-0147What homeowners insurance usually covers
- Sudden and accidental water damage, such as a burst pipe, a failed supply line or a water heater that suddenly leaks.
- Storm damage where wind opens the roof or windows and rain gets in. See storm and hurricane water damage.
- Resulting damage to floors, walls, cabinets and belongings, depending on your policy.
What is often excluded
- Gradual leaks and wear and tear that went on for weeks or months.
- Flood damage from rising surface water, which usually needs a separate flood policy.
- Mold beyond a limited amount, unless it came from a covered water loss.
- Sewer backup, unless you have a water backup endorsement.
How to document water damage
- Take photos and video of everything before anything is moved, including the source.
- Keep damaged materials or photograph them before they are thrown out.
- Write down when you found the damage and what you did.
- Save receipts for emergency repairs, hotel stays and supplies.
- Ask the restoration company for moisture readings, drying logs and photos.
- Report the claim to your insurer as soon as possible.
Working with your adjuster
Your insurer will usually send an adjuster to inspect the damage. Many restoration companies document the job in a way adjusters are used to and can talk with them directly. You can choose your own restoration company; you are not required to use one your insurer suggests.
Florida policies often have a separate, higher deductible for hurricane damage, and some policies limit how much is paid for water damage. Read your declarations page or ask your agent.
Read more: what to do after water damage and our FAQ.