Claim Types
Every common Florida property insurance claim.
120 damage types organized by category. Hurricane through sinkhole — find the one that fits your loss.
120 pages in this collection
Wind, Storm & Hurricane
38Hurricane, wind, tornado, hail — every claim caused by Florida weather.
- Hail Damage Florida Claim Guide. Public Adjuster.Florida hail claims are less common than northern markets but do occur. Roof impacts, vehicle damage, and screen destruction are the most frequent.
- Hail Damage to Metal Roof Florida Claim Guide.Hail denting in metal roofing; functional vs cosmetic distinction.
- Hail Damage to Pool Screen Florida Claim Guide.Hail impact can tear pool cage screens. Replacement typically covered under Coverage B.
- Hail Damage to Roof Vents Florida Claim Guide.Hail-damaged ridge vents, turbine vents, or pipe flashings. Often missed in scope; can cause leaks.
- Hail Damage to Vehicles Florida Claim Guide.Vehicles damaged by hail; covered under auto comprehensive (not homeowners).
- Hail Shingle Damage Florida Claim Guide.Hail impact to shingles causing granule loss, fracture, or loose seals. Often requires full-slope replacement.
- Hurricane AC Unit Damage Florida Claim Guide.Outdoor AC compressor damaged by flying debris or saltwater intrusion.
- Hurricane Contents Total Loss Florida Claim Guide.Contents total loss from hurricane water or wind damage.
- Hurricane Damage Florida Claim Guide. Public Adjuster.Hurricane claims are the highest-volume and highest-dollar Florida claims. Wind, storm surge, wind-driven rain, and cascading water damage all fall under hurricane claims, each with different coverage rules.
- Hurricane Fence Damage Florida Claim Guide.Fence destruction from wind and debris. Coverage B sublimit applies. Often significant on larger lots.
- Hurricane Flood Damage Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Hurricane Garage Damage Florida Claim Guide.Hurricane damage to attached or detached garages. Door failures, roof impact, structural damage. Coverage depends on attachment and policy terms.
- Hurricane Garage Door Failure Florida Claim Guide.Garage door blows in during hurricane; interior pressure causes major structural damage.
- Hurricane Impact Window Failure Florida Claim Guide.Impact-rated windows fail beyond rated conditions.
- Hurricane Interior Water Damage Florida Claim Guide.Water damage inside the home from hurricane conditions: wind-driven rain through openings, roof leaks, window failures, and cascading plumbing issues.
- Hurricane Landscaping Loss Florida Claim Guide.Trees, shrubs, and landscape features destroyed by hurricane. Sublimit coverage; mature plantings often uncovered.
- Hurricane Outbuildings Damage Florida Claim Guide.Sheds, detached garages, and outbuildings from hurricane.
- Hurricane Partial Structural Damage Florida Claim Guide.Partial structural damage from hurricane wind and debris.
- Hurricane Pool Cage Damage Florida Claim Guide.Screen enclosure destruction from wind. Typically Coverage B (Other Structures). Replacement costs can exceed sublimits.
- Hurricane Pool Enclosure Damage Florida Claim Guide.Pool screen enclosure destroyed by hurricane wind.
- Hurricane Skylight Failure Florida Claim Guide.Skylight implodes or is punctured, allowing water intrusion.
- Hurricane Total Loss Florida Claim Guide.Total loss claim following hurricane impact.
- Hurricane Wind Damage Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Post-Storm Vandalism Florida Claim Guide.Vandalism or looting after a storm event.
- Storm Surge Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Tornado Damage Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Wind Boat Lift Damage Florida Claim Guide.Boat lift destroyed during wind event.
- Wind Damage Florida Claim Guide. Public Adjuster.Wind damage is the most frequent Florida property claim type. Roof, siding, fencing, screens, and tree impact all fall under wind. Wind-versus-hurricane classification affects the deductible.
- Wind Damage to Fascia and Soffit Florida Claim Guide.Wind-damaged fascia, soffit, and trim. Often overlooked in scope but part of proper roof system.
- Wind Debris Impact Florida Claim Guide.Damage from wind-blown debris striking structure.
- Wind Exterior Finishes Florida Claim Guide.Siding, trim, and exterior finish damage from wind.
- Wind Garage Door Blown In Florida Claim Guide.Non-hurricane wind event damages garage door.
- Wind Gutter Damage Florida Claim Guide.Gutters torn loose, bent, or destroyed by wind. Full replacement often needed for proper water drainage.
- Wind Partial Roof Damage Florida Claim Guide.Partial roof damage from non-hurricane wind events.
- Wind Satellite Dish Damage Florida Claim Guide.Satellite equipment damaged; leak potential from mounting damage.
- Wind Screen Enclosure Damage Florida Claim Guide.Screen porch or pool cage damage from non-hurricane wind. Coverage B sublimit applies.
- Wind Siding Damage Florida Claim Guide.Wind-damaged siding: panels, trim, and underlying sheathing. Often needs full wall replacement for matching.
- Wind Window Damage Florida Claim Guide.Broken or blown-in windows from wind pressure or debris. Replacement may require impact-rated upgrades.
Roof Damage
14Shingle, tile, metal, membrane, flashing — the most disputed claim category in Florida.
- Chimney Flashing Damage Florida Claim Guide.Chimney flashing failure causes water intrusion.
- Flat Roof Membrane Damage Florida Claim Guide.TPO, EPDM, or modified bitumen membrane damage from wind, hail, or puncture. Common on additions and flat-roof homes.
- Metal Roof Damage Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Pool Cage / Roof Common Wall Florida Claim Guide.Damage to roof-pool cage interface common wall.
- Roof Damage Florida Claim Guide. Public Adjuster.Roof claims are the most denied Florida property claims. Age restrictions, wear-and-tear denials, and matching disputes dominate the claim landscape.
- Roof Flashing Failure Florida Claim Guide.Flashing failure causing water intrusion.
- Roof Leak Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Roof Underlayment Damage Florida Claim Guide.Secondary water resistance layer damage.
- Satellite Dish Mount Damage Florida Claim Guide.Satellite dish mount damage to roof.
- Shingle Damage Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Skylight Damage Florida Claim Guide.Skylight damage from wind, hail, or impact. Often requires specific replacement unit.
- Solar Panel Damage Florida Claim Guide.Solar panel damage from wind, hail, or impact. Coverage and panel salvage analysis required.
- Solar Panel Mount Damage Florida Claim Guide.Solar panel mount damage from wind affecting roof.
- Tile Roof Damage Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
Water Damage
20Pipe bursts, appliance leaks, plumbing failures, sewage backup — sudden and accidental water claims.
- Above-Ceiling Pipe Damage Florida Claim Guide.Plumbing in ceiling causes water damage below.
- Appliance Leak Florida Claim Guide. Public Adjuster.Washing machine, dishwasher, water heater, and refrigerator leaks are typically covered as sudden accidental water discharge.
- Bathtub Overflow Damage Florida Claim Guide.Sudden accidental bathtub overflow.
- Ceiling Water Damage Florida Claim Guide.Water staining, sagging, or collapse in ceilings from leaks above. Requires identifying source for coverage.
- Dishwasher Drain Failure Florida Claim Guide.Dishwasher drain line backup or failure.
- Dishwasher Leak Florida Claim Guide.Dishwasher supply line or drain failure.
- Ice Maker Line Damage Florida Claim Guide.Refrigerator ice maker supply line failure.
- Kitchen Appliance Leak Florida Claim Guide.Dishwasher, refrigerator water line, garbage disposal, or sink supply line failure. Sudden accidental discharge is covered.
- Laundry Room Water Damage Florida Claim Guide.Washing machine supply lines, drain failures, or overflow events. Coverage typically applies if sudden and accidental.
- Pipe Burst / Plumbing Florida Claim Guide. Public Adjuster.Burst pipe claims are a subset of water damage. Sudden and accidental discharge is covered. Gradual seepage is not.
- Pipe in Wall Failure Florida Claim Guide.Hidden in-wall plumbing failure requiring demolition to discover.
- Refrigerator Ice Maker Leak Florida Claim Guide.Refrigerator water line leak.
- Sewage Backup Florida Claim Guide. Public Adjuster.Sewage backup is typically excluded unless specifically endorsed. Endorsements are common but vary in sublimit.
- Shower Pan Failure Florida Claim Guide.Shower pan leak causes damage.
- Sprinkler System Malfunction Florida Claim Guide.Fire suppression sprinkler malfunction causing water damage.
- Toilet Overflow Water Damage Florida Claim Guide.Overflow or supply line failure. Coverage applies for sudden accidental events.
- Water Damage Florida Claim Guide. Public Adjuster.Water damage claims from sudden accidental discharge (burst pipes, appliance failures) are covered under most Florida HO-3 policies. Gradual leaks, seepage, and flood are not.
- Water Heater Burst Florida Claim Guide.Water heater tank failure causing significant water damage.
- Water Heater Failure Florida Claim Guide.Water heater rupture or leak. Sudden failures covered; slow leaks typically not.
- Water Supply Line Failure Florida Claim Guide.Failure of supply lines to appliances or fixtures.
Fire, Smoke & Lightning
18Kitchen fires, electrical fires, lightning strikes, smoke residue — fire-loss claims and what they cover.
- Appliance Fire Smoke Residue Florida Claim Guide.Smoke residue from small appliance fire.
- Attic Wiring Fire Florida Claim Guide.Older home wiring fires originating in attic.
- Brush Fire Adjacent Florida Claim Guide.Wildfire or brush fire damage to home structure.
- Candle Accident Fire Florida Claim Guide.Accidental fire from unattended candle.
- Chimney Fire Damage Florida Claim Guide.Fire from chimney creosote, lightning, or hearth failure. Coverage for chimney and collateral damage.
- Clothes Dryer Fire Florida Claim Guide.Dryer fire from lint buildup or mechanical failure.
- Cooking Grease Fire Florida Claim Guide.Kitchen grease fire with smoke and damage extension.
- Electrical Fire Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Fire Damage Florida Claim Guide. Public Adjuster.Fire claims in Florida are broad-coverage but highly scrutinized. Cause investigation, scope of smoke damage, and contents valuation are the three biggest fight areas.
- Garage or Workshop Fire Florida Claim Guide.Fire originating in garage or workshop. Coverage depends on cause and compliance with policy use limits.
- Kitchen Fire Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Lightning Pool Equipment Florida Claim Guide.Lightning damaged pool equipment.
- Lightning Strike Florida Claim Guide. Public Adjuster.Lightning strike claims combine structural, electrical, and electronics coverage. Surge damage to electronics is the most commonly missed scope.
- Outdoor Electrical Fire Florida Claim Guide.Fire from outdoor electrical components (lighting, pool equipment).
- Outdoor Grill or BBQ Fire Florida Claim Guide.Fire from grill malfunction or accidental ignition affecting home exterior.
- Smoke Damage Florida Claim Guide. Public Adjuster.Smoke damage claims extend beyond the fire room. HVAC contamination and contents throughout the home are commonly underscoped.
- Space Heater Fire Florida Claim Guide.Fire from portable space heater malfunction or misuse.
- Whole-Home Smoke Damage Florida Claim Guide.Fire with extensive smoke migration throughout home.
Mold & Indoor Air
8Mold remediation, air quality, hidden damage behind walls and in attics.
- Attic Mold from Roof Leak Florida Claim Guide.Attic mold from undiscovered roof leak. Sublimit applies.
- Basement Mold Florida Claim Guide.Mold in basement or crawl space.
- Bathroom Mold from Water Damage Florida Claim Guide.Mold in bathroom from prior water event. Sublimit typically $10,000; remediation cost often matches.
- HVAC Mold Contamination Florida Claim Guide.Mold in HVAC system requiring remediation.
- Interior Closet Mold Florida Claim Guide.Mold in interior closet with no obvious water source.
- Mold Behind Wall Florida Claim Guide.Mold discovered during demolition.
- Mold Damage Florida Claim Guide. Public Adjuster.Mold damage in Florida is typically capped at $10,000 by default. Coverage follows the underlying water loss; mold from excluded perils is usually also excluded.
- Wall Cavity Mold Florida Claim Guide.Mold discovered in wall cavities during renovation. Timing and causation analysis affects coverage.
Theft & Vandalism
7Burglary, stolen contents, vandalism — physical-loss-of-use claims.
- Electronics Theft Florida Claim Guide.Electronics theft with documented serial numbers. RCV replacement possible with policy.
- Graffiti Vandalism Florida Claim Guide.Graffiti cleanup and repainting. Often overlooked in scope but covered.
- Targeted High-Value Electronics Theft Florida Claim Guide.Targeted theft of high-value electronics with specific replacement and documentation considerations.
- Theft and Vandalism Florida Claim Guide. Public Adjuster.Theft and vandalism claims hinge on police report, proof of ownership, and sublimits for specific categories (jewelry, firearms, cash).
- Theft from Secondary Home Florida Claim Guide.Theft from vacant or secondary residence.
- Theft of Firearms Florida Claim Guide.Firearm theft subject to sublimit ($2,500 typical) unless scheduled.
- Tools Stolen from Garage Florida Claim Guide.Garage breakin with tool collection theft.
Specialty & Commercial
15Sinkhole, tree impact, vehicle impact, pool, solar, condo, rental, commercial — claims that don't fit the standard buckets.
- Business Interruption Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Commercial Business Interruption Florida Claim Guide.Loss of business income during commercial property restoration.
- Commercial Property Damage Florida Claim Guide.General commercial property claim pattern.
- Commercial Property Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Condo Unit Owner Interior Damage Florida Claim Guide.Unit owner interior damage coordination with master policy.
- Condominium Claims Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Major Sinkhole Foundation Damage Florida Claim Guide.Significant foundation damage from sinkhole activity.
- Minor Sinkhole Stabilization Florida Claim Guide.Minor stabilization for non-catastrophic sinkhole.
- Rental Property Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
- Sinkhole Florida Claim Guide. Public Adjuster.Sinkhole claims are technical and highly regulated in Florida (FS 627.706). Catastrophic Ground Cover Collapse is mandatory coverage; non-catastrophic activity varies.
- Tree Fence vs Structure Classification Florida Claim Guide.Tree damage spanning fence (Coverage B) and structure (Coverage A) boundary.
- Tree Impact Florida Claim Guide. Public Adjuster.Tree impact claims are covered under the structural peril. Pool cages, vehicles, and detached structures follow different coverage paths.
- Tree on Detached Garage Florida Claim Guide.Tree fell on detached garage structure.
- Tree on Vehicle in Driveway Florida Claim Guide.Tree fell on vehicle in driveway (auto comprehensive).
- Vehicle Impact Florida Claim Guide. Public Adjuster.Florida claim type with policy-specific coverage rules. Documentation, causation, and scope are the three fight areas.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
Step 1 of 6· Damage17%
Damage
When
Carrier
Where
Offer
Contact
What kind of damage?
Pick the closest match. We will ask for details later.