Rest assured, our team of experts is here to guide you through the water damage claim process. We’ll conduct a thorough inspection, assist with claim filing, and negotiate with your insurer to secure the maximum payout promptly.

We know residential and commercial property water damage is very common in Florida.  It is also one of the most common causes of home insurance claims. In fact, it is the second largest frequent insurance claim after wind and hail damage. According to FEMA, just 1 inch of water can cause $25,000 of damage to your home.

Call Us Today for Free Advice

Water Damage Claims: Roof Damage

Filing a roof leak claim in Florida has become increasingly complex due to 2026 insurance reforms. Insurance companies are more “leery” than ever, often attempting to classify storm damage as “gradual wear and tear” to avoid payouts. This is why having a Platinum public adjuster on your side is critical.

The adjuster sent by your insurance company represents their interests, not yours. Our team ensures you have the “proper documentation” and expert evidence needed to prove your claim. We specialize in identifying damage from hurricanes, tropical storms, and high winds that an untrained eye might miss.

In Florida, a roof leak is typically covered only if a covered peril (like wind or hail) first creates an opening in the structure. Whether you have a steep-slope shingle roof or a low-slope flat roof, we provide the expert assessment needed to distinguish between “deterioration” and “storm-related loss,” ensuring you receive the correct payout rather than an outright denial.

A leak is not required to file a claim. Oftentimes a strong storm can lift shingles, tiles, and other roof materials. Physical damage is often sufficient cause to file a claim. 

Repairing or replacing a roof can cost a property owner thousands to hundred of thousands of dollars for a commercial property. Talk to one of our highly recommended public adjusters in Miami and don’t go at it alone. 

We are licensed public adjusters!

Broken Pipes Water Damage Claims

Replacing failed cast iron pipes is one of the most expensive plumbing repairs a Florida homeowner can face. Because these pipes are located beneath the slab, costs include excavation, floor replacement, and mold remediation. Unfortunately, insurance companies often use complex legal language to undervalue or deny these claims, frequently citing “wear and tear” exclusions.

The Urgency of Florida’s New Filing Deadlines

Under Florida’s 2026 insurance landscape, timing is key. You now generally have only one year from the date of discovery to file a new claim. Missing this window can result in no longer receiving an insurance check. Because cast iron deterioration is often hidden, insurers may argue your “date of loss” was months before you noticed the damage.

Serving Homeowners Across the Sunshine State

While cast iron is a major concern in Southern Florida, it is equally prevalent in pre-1975 homes in Tampa, Orlando, and Jacksonville. Platinum Public Adjusters provides statewide advocacy, ensuring your claim is properly documented with independent camera inspections and professional plumbing assessments before the insurance company’s adjuster sets the narrative.

Common Reasons for Denial (and How We Fight Them):

• “Gradual Deterioration” Exclusions: We distinguish between the old pipe and the sudden failure that caused covered water damage to your home’s structure.
• Insufficient Documentation: We provide expert evidence of the full scope of damage, including the cost to access the pipes through your slab.
• Adjuster Errors: We catch mistakes made by insurance-hired technicians who may minimize the extent of the failure.

If your home was built before 1975, you likely have cast-iron plumbing that is reaching its expiration date. Don’t wait for a catastrophic backup to call. Platinum Public Adjusters offers a free policy review to see if you’re protected.

Another sign of a potential broken pipe problem may be visible in your lawn. Broken cast iron pipe can leak onto your lawn and make it abnormally healthy in a particular area. The sewage from the pipe makes a great fertilizer for your lawn, however it is not good for humans.

Insurance carriers are notorious for denying these cases. Don’t fall victim. Talk to us!

Water Damage Claims: Flood Damage

Flooding is the temporary overflow of water onto land that’s normally dry, and it’s the most common natural disaster in the United States. Large portions of Florida are especially prone to flooding. Even if you don’t live near a lake, river, or the coast, you’re still at risk.

Floods aren’t always caused by heavy rainfall. They can also result from poor drainage systems, coastal storms, hurricanes, tropical storms, high tides, or even nearby construction projects. Regardless of the cause, floodwater can cause severe damage to your property’s structure, roof, electrical system, and anything it touches.

Flood Damage Claims Are Complex

Dealing with flood damage is stressful enough, but filing a claim can make things even more complicated. Most standard homeowners insurance policies do not cover flood damage. Instead, flood claims typically go through the National Flood Insurance Program (NFIP), which is managed by FEMA (the Federal Emergency Management Agency).

Unlike regular homeowner claims, NFIP flood damage claims follow strict government guidelines. One small mistake or missed deadline can delay or jeopardize your payout. That’s why it’s critical to have an experienced public adjuster on your side—someone who understands the intricacies of FEMA and NFIP processes.

Our team of licensed Florida public adjusters has years of experience helping property owners across Southeast and Southwest Florida get the full compensation they deserve after a flood. We know how to properly document your losses, interpret complex policies, and negotiate with insurers or the NFIP on your behalf.

Don’t navigate this process alone—contact our expert flood damage adjusters today. We’re ready to help!

Water Damage Claims: A/C Leak Damage

In Florida, air conditioning isn’t a luxury—it’s a necessity for both homes and businesses. As your A/C system works to cool the air, the evaporator coil removes heat and humidity, producing condensation in the process. That condensation typically drains away through a condensate line.

However, when the drain line becomes clogged—a common issue—it can lead to water backing up and causing severe property damage.

If your home or business has suffered water damage from a clogged A/C drain, your insurance policy may cover the cost of repairs. That’s where Platinum’s licensed public adjusters come in. We’ll come to your property, assess the situation, and help determine if you have a valid claim.

At Platinum, we specialize in A/C leak water damage claims in Miami and throughout Florida—and we’re here to make sure you get the compensation you deserve.

Platinum has you covered!

FAQs for Water Damage Claims

External References:

• Making a Water Damage Claim? What’s Covered or Not?
• Understand Your Home Insurance Coverage Options
• Floods at Ready.gov
• Severe Weather 101: Flood Basics

The best public adjusting team for water damage insurance claims in South and Southwest Florida!