Pipe Burst and Water Damage
Water damage is one of the most common—and costly—types of property damage homeowners face. At Aviva Insurance Adjusters, Inc., we handle water damage insurance claims every single day. Whether caused by a sudden leak, a burst pipe, or hidden moisture intrusion, our team works to ensure you receive the maximum settlement your policy provides.
Have You Experienced Water Damage From a Leak?
Water damage is the #1 non-weather related insurance claim filed by homeowners. In fact, 90–95% of all property claims involve some form of water damage. Because of this, many insurance companies attempt to limit water damage coverage, often placing a $10,000 cap on certain types of losses.
Before filing your claim, we strongly recommend reviewing your policy—or letting us review it for you—to ensure you’re not being underpaid or denied improperly.
Why Are Water Damage Claims So Common?
Modern homes contain multiple water systems, and any failure can lead to immediate and severe damage. We routinely handle claims involving:
- Burst dishwasher supply lines
- Refrigerator ice maker hose failures
- Leaking shower pans or trays
- Overflowing toilets
- Under-sink pipe breaks
- Subterranean (underground) plumbing leaks
- AC condensation line backups
- Roof leaks
- Water heater failures
Even a small leak can lead to major damage if not addressed quickly. Water spreads fast and affects flooring, drywall, cabinets, insulation, and electrical systems.
Collateral Water Damage — What Does It Mean?
Collateral or incidental water damage happens when surrounding materials must be removed to properly repair the affected area—or when additional damage occurs during cleanup.
Good news: Your insurance policy typically covers this additional damage, but insurers often overlook it unless you have a knowledgeable adjuster advocating for you.
Common Examples of Collateral Damage
Example 1: Drywall behind kitchen cabinets is soaked. The cabinets must be removed to replace the drywall—making this incidental damage that must be included in your claim.
Example 2: To remove a damaged countertop, the backsplash must also be removed. Even if the backsplash itself wasn’t initially damaged, it becomes part of the claim.
Example 3: Water saturates the floor and baseboards. Mitigation crews must remove the baseboards to prevent mold growth. This removal is part of the covered damages.
These situations are extremely common—and insurance companies may not include them unless the homeowner is represented by a public adjuster.
Why You Shouldn’t Rely Only on the Insurance Company’s Adjuster
Insurance company adjusters work for the insurer—not for you. Their job is to minimize payouts, not maximize them.
A licensed public adjuster represents your interests, ensuring:
- Every damaged material is documented
- All collateral damage is included
- Moisture readings and inspection findings are recorded properly
- You receive full compensation for repairs, mitigation, and restoration
If you’ve experienced water damage, you need someone who understands Florida insurance policy language, coverage limits, and appraisal processes.
Get a FREE Water Damage Inspection & Consultation:
If a leak has damaged your home, call us today. We will:
- Inspect your property for hidden damage
- Review your insurance policy
- Document all affected areas
- File or manage your claim
- Fight to maximize your settlement
Call us now — 877-351-1933
We’re ready to discuss your claim immediately.
Claim Your Insurance
Water damage spreads quickly—don’t wait. The sooner you involve a professional adjuster, the stronger your case becomes.
How to Identify a Leak Under the Floor
If you suspect a hidden leak, these signs can help confirm it:
- Common Warning Signs
- A sudden or gradual spike in your water bill 💰
- Unusually warm areas on your floor (hot water line leaks) 🔥
- Buckling, discoloration, or warping of wooden floors
- Damp or swollen baseboards
Definitive Test: The Water Meter Leak Test
- Turn off all faucets and ensure no toilets are running.
- Locate your water meter and check the indicator dial (triangle or spinning wheel).
- If the indicator is moving, water is flowing somewhere—likely due to a leak.
- To narrow it down, shut off the main water valve:
If the meter keeps moving → the leak is between your home and the meter.
If it stops → the leak is inside your home.
If you confirm a leak, don’t panic. Most homeowners insurance policies cover sudden and accidental water damage.
Call us if you need guidance on next steps.
Frequently Asked Questions About
Water Damage Claims
How does homeowners insurance cover water damage?
Coverage depends on your policy. Most policies cover sudden and accidental water-related damage. Due to frequency, some insurers impose a $10,000 limit on certain types of water losses.
How can I prove water damage effectively?
Proper documentation, photos, moisture readings, estimates, and a public adjuster’s evaluation greatly strengthen your claim.
Does water damage count as accidental damage?
Most sudden leaks and pipe breaks are considered accidental—and therefore covered.
What is the process for filing a water damage claim?
Inspection → Documentation → Policy Review → Claim Filing → Adjuster Negotiations → Settlement.
Is flood damage covered by homeowners insurance?
Typically no. Flood insurance is a separate policy.
What should I do immediately after water damage occurs?
Stop the leak, document everything, avoid removing materials, and call a public adjuster before speaking to your insurance provider