Hurricane storm surge
Hurricane Ian in 2022 pushed storm surge into homes across Lee and Collier counties. Surge water is saltwater mixed with sewage and debris, which changes how a home must be cleaned.
Florida · 5 cities
Water damage restoration in Florida
Florida water damage is shaped by hurricanes, storm surge and year-round humidity. Wet materials can start growing mold within a day or two, so drying has to start fast.
5Florida cities covered
39ZIP codes
569,600homes in those ZIP codes
3regions with their own risks
Water damage and insurance in Florida
Florida homeowners policies cover sudden water damage, often with limits for some losses, and exclude flood. Flood and storm surge require a separate flood policy. Many Florida policies have specific rules on how quickly you must report a claim and on hurricane deductibles.
Flood insurance through the National Flood Insurance Program usually has a 30-day waiting period before coverage starts, so it has to be in place before a storm, not after. See our insurance claims guide for how to document a loss.
Official help: Florida Department of Financial Services – Consumer Help.
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Southwest Florida
Most homes have the main shutoff on an exterior wall near where the line enters, often by the front hose bib, with the meter near the street.
Daily downpours
Afternoon storms from June to September drop heavy rain on flat ground, and water collects around foundations, lanais and garages.
Humidity and mold
High humidity means mold can start within a day or two on wet drywall, cabinets and carpet pad if drying does not begin quickly.
Cities covered
Pinellas County
Most Pinellas homes have the main shutoff on the outside wall near where the line enters, with the meter near the street.
Hurricane surge and wind-driven rain
Hurricane Helene in 2024 pushed storm surge into homes along Pinellas County's coast, and Hurricane Milton followed two weeks later with wind and rain.
Heavy afternoon storms
Flat ground and older drainage mean heavy summer storms can leave water standing in streets and against homes.
Older homes and humidity
Much of the housing was built before 1990. Older plumbing, cast-iron drains and high humidity make leaks and mold more likely.
Cities covered
Broward County
South Florida homes usually have the main shutoff on the outside wall where the line enters, often near the front hose bib, with the meter near the street.
Hurricanes and tropical rain
Tropical storms bring wind-driven rain through windows, doors and roofs, and storm surge threatens areas near the coast and Intracoastal.
Extreme rainfall
In April 2023 the Fort Lauderdale area recorded more than two feet of rain in about a day, flooding homes, streets and garages across the county.
Humidity and fast mold growth
Heat and humidity mean wet materials can start growing mold within a day or two, so drying has to start fast.
Cities covered
Water damage in Florida: common questions
Does Florida homeowners insurance cover flood damage?
No. Standard homeowners policies exclude flooding from outside water. Flood coverage comes from a separate policy through the NFIP or a private flood insurer.
What causes the most water damage in Florida homes?
Florida water damage is shaped by hurricanes, storm surge and year-round humidity. Wet materials can start growing mold within a day or two, so drying has to start fast.
Do you cover my city in Florida?
We currently connect callers in 5 Florida cities: Cape Coral, Largo, Naples, Pompano Beach, Seminole. Each city page lists the ZIP codes covered.
Water damage somewhere in Florida?
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