Water Damage Claims

Water Damage Insurance Claims Can be Costly. Water damage is not uncommon in your Florida home or business, especially during the hurricane season when we experience heavy rain squalls. Water damage is costly to repair, can disturb your day-to-day activities, as well as pose a health risk to those exposed to its conditions. When water damage occurs, the safety and well-being of your family and loved ones can change very quickly. According to an ISO report, water damage home insurance claims are the second most frequent insurance claim, after hurricane, tropical storm and hail damage. Also reported is the fact that Florida water damage claims have been steadily increasing.

Insurance policies can be very technical and difficult to understand. That is why the Insurance Litigation Group (ILG) offers Florida home and business owners, who have experienced water damage, a no-charge insurance policy review. They can also help you bring in experienced water clean-up and mold remediation professionals to handle the initial clean-up, as well as contractors who can assess the damage and help determine what it will take to bring your property back to its original condition.

Get in touch with our team today!

How ILG Can Help You

Water damage can be categorized as either “gradual damage” or caused by a “sudden incident.” Some of these water claims are covered in a homeowners or business insurance policy, while others are not. This depends on the specific policy language covering your Florida home or business.

The attorneys at The Insurance Litigation Group are experienced with Water Damage Claims and we understand the insurance claims system. We know exactly what to look for and how to help you get the best result from your insurance claim.

  • We will be with you from the very start, explaining the terms of your policy and walking you through the claims process
  • We will conduct a home or business premises inspection, including taking photos of the damage
  • We will help you properly document and present your water damage insurance claim
  • We will bring in experienced water clean-up and mold remediation professionals to handle the initial clean-up, as well as contractors who can assess the damage and help determine what it will take to bring your property back to its original condition.
  • We will assist you in getting temporary living expenses reimbursed by the insurance company
  • We will file your claim and/or proof of loss statement
  • We will represent you at any examination under oath and recorded statement
  • We will aggressively negotiate and advocate settlements on your behalf
  • We will institute litigation and pursue it aggressively through trial, if necessary to obtain the benefits you are entitled to
  • We will meet and exceed your goals and objectives
  • And much more!

The Insurance Litigation Group is here to help! We offer all of our clients:

  • Free claim review
  • Free consultation

And at ILG we do not get paid until you get paid!

Get Expert Help Today!

Plumbing Leaks

Homeowner Claims

Business & Commercial Claims

Commercial & Business Claims


Roof Damage Claims

Public Adjusters

Hurricane Damage Claims

Types of Water Damage Covered and Not Covered

  • Water damage from a Flood. These claims are only covered by Flood Insurance. Floods are caused by water entering a home or building from the ground, because of excessive rain, a flooding pond, creek, river, bay, ocean, estuary, etc.
  • Sewer or water backup
  • Water damage caused by seepage through the foundation and/or walls
  • Mold caused by gradual leaks or seepage
  • Electrical wiring in poor condition
  • Roofs with poor maintenance or at the end of their useful life

Gradual water damage is not usually covered in most home insurance policies, so even though your policy could cover water damage, if the reason for the damage is not accidental or sudden, it might not be covered. Without proper maintenance, homes deteriorate, causing all kinds of problems for owners. Things can go wrong in places like walls, windows, attics, porches, doorways and crawl spaces, and you may not discover the rot, mold or other types of deterioration, for some time.


A trained professional can help you figure this out. It is often based on the language in the insurance contract or policy. Our experienced claims consultants and insurance attorneys can help you review the policy exclusions and types of coverage you are entitled to.


If the insurance company denies your claim(s), make sure to ask for a full, detailed explanation, and get it in writing. It is the insurance company’s obligation to show you exactly what part of the contract or policy excluded coverage.

The insurance company has many professionals representing their interests during a claim. With insurance being as technical and complex as it is, you should do the same. Call on the expertise and experience of a licensed Florida insurance attorney at ILG. They are equipped to deal with the insurance company’s agents, adjusters, contractors, legal departments, and other personnel.

Do not let your insurance company give you the run-around when your Florida home or business has experienced water damage. They may try to make the insurance claim more complicated than it is and deny, delay or underpay your claim. Our practice is statewide, and we have offices in Miami, Fort Pierce, Pensacola, Orlando, and Miramar Beach, Florida.

Call ILG for Sound Advice and Effective Representation in Florida Insurance Disputes

What Our Clients Say

“We were so tired of non-returned phone calls from our insurance company. Their claim to having sent payment when they hadn’t was ridiculous. We had spent 6 months trying to resolve with no luck. We called Insurance Litigation Group and they resolved our claim simply and professionally.” 

G. Monin

“Thank you for your swift attention to my case.  Everything ran smoothly.  They gave me multiple options and always answered the phone!”

M. Close

“Excellent law firm if you are having trouble getting your Florida homeowners insurance company to pay your hurricane claim fairly. They have an excellent reputation in the panhandle and throughout Florida.” 

A. Fiske

“Best law firm to deal with Hurricane Michael  home insurance disputes. They understand how to maximize your insurance payout when dealing with insurance adjusters and claims departments. Highly recommend.”

I. Britton

“We hired ILG when our public adjuster could push no further with our insurance company to get our claim settled after Hurricane Michael and he advised us to file a lawsuit. We recently settled and received our final payment checks a couple of days ago. My husband and I are very pleased with the results. ILG did a great job for us. Thank God for people like this to help homeowners when insurance companies don’t want to pay out after a disaster! I highly recommend ILG.”

J. Moore

“I was very happy with the time and work that ILGpa did for me. Without their help I would not have the positive results that I received. Thank you so much for your help. I would recommend this group to anyone.”

M. Loranger

Our Offices

We are a client-focused law firm that fights aggressively on behalf of residential and commercial policyholders, contractors, restoration and mitigation companies, to produce maximum recovery results from insurance companies through our unique expertise, deep understanding of insurance law, cutting edge technology and proactive approach to litigation.

Insurance Litigation Group serves clients across the state of Florida. With over 7 offices statewide, our attorneys have the knowledge, skills and experience to resolve your dispute against the insurance company. 

North Miami Beach

1500 NE 162nd St
North Miami Beach 33162



20 North Orange Ave
11th Floor Suite 1100
Orlando, FL 32801



225 N Pace Blvd.
Pensacola, FL 32505



5660 Strand St, #315
Naples, FL 34110


Fort Pierce*

130 S Indian River Dr
Suite 202
Fort Pierce, FL 34950


By Appointment Only*

Contact Us

Contact us today about your situation so we can fight to get you paid. We can assist you in any coverage dispute, disagreement over liability or damages, or related matter.

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