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
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
What kind of damage?
Pick the closest match. We will ask for details later.
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.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
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Mechanical rooms often missed in scope.
High-end lighting damaged; standard replacement insufficient.
Specialty lighting requires specialty replacement.
Central vacuum system damaged.
Central vacuum is whole-home system.
Water softener / RO system damaged.
Water treatment equipment coverage varies.
Low-voltage wiring damage.
Specialty wiring often missed in scope.
Free claim review
Still building your claim? We can help right now.
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 later.
Know the law
Relevant statutes
FS 626.854
Public adjuster.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Bill of Rights.
FS 626.9744
Matching.
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See also
Other common problems
My deductible is higher than I expected.
Another situation Florida policyholders face mid-claim.
Carrier denied reopening after I found new damage.
Another situation Florida policyholders face mid-claim.
Food truck or trailer damaged at home.
Another situation Florida policyholders face mid-claim.
Inherited valuables without appraisal damaged.
Another situation Florida policyholders face mid-claim.
Multiple contractor coordination complications (variant 3).
Another situation Florida policyholders face mid-claim.
Repairs didn't restore property to pre-loss condition.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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 later.
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