What do I do if
Irrigation/sprinkler system damaged.
Irrigation systems fall under landscaping or landscaping sublimits.
Irrigation/sprinkler system damaged.
Root cause
Why this happens
Irrigation systems fall under landscaping or landscaping sublimits.
Know the law
Your rights
Review your declarations page for the irrigation sublimit. Most Florida HO-3 policies cover irrigation systems as part of Coverage B (Other Structures) up to 10% of Coverage A. Damage from named perils (storm, fire, vandalism) is typically covered; damage from freeze, gradual wear, or root intrusion usually is not. Documentation of the system's age and replacement cost strengthens any claim.
Free claim review
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
What kind of damage?
Pick the closest match. We will ask for details next.
What to do
Solution steps
- 01
Step 1
Document system layout
- 02
Step 2
Obtain irrigation contractor quote
- 03
Step 3
Review Coverage B or landscaping sublimit
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Mechanical rooms often missed in scope.
Specialty lighting requires specialty replacement.
Central vacuum is whole-home system.
Water treatment equipment coverage varies.
Specialty wiring often missed in scope.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Know the law
Relevant statutes
Public adjuster.
Carrier duties.
Notice deadlines.
Bill of Rights.
Matching.
Go deeper
Related resources
Emergency playbooks.
FNOL to settlement.
Statutes.
Denial reasons.
Carrier profiles.
All 67 counties.
Claim terms.
Damage categories.
Storm profiles.
Decision tools.
Real recoveries.
Common problems.
See also
Other common problems
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Florida claim updates
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more