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.
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