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Does homeowners insurance cover all plumbing issues in Florida?

On Behalf of | Oct 6, 2023 | Homeowner Claims

A standard homeowners insurance protects a homeowner’s financial interest if their home is damaged by a threat named in their policy. HO-2 policies in Florida generally cover water damage, but this may change depending on the circumstances that led to the damage.

Here is what you should know:

It should be accidental/unexpected 

The factor that contributes to water damage in your home should be unexpected for an insurer to cover you. For example, if you turn off heat, perhaps when traveling, or you fail to keep your home sufficiently heated during winter, and the pipes freeze and burst, an insurance company may deny your claim. 

Additionally, if you fail to maintain your washing machine, dishwasher, air conditioner or refrigerator your insurer may refuse to compensate you if it breaks and releases water, resulting in damage.  

Water backup

Water damage caused by sewer, septic tank and drain backups may not be covered by homeowners insurance in Florida. You need separate insurance for this.

A clogged drain, heavy rain, old pipes and tree roots interfering with your plumbing system may lead to water backups in your home.   


If water damage is caused by flooding, you may not be covered by a standard homeowners insurance. This is because such damage is covered by flood insurance from the National Flood Insurance Program.

Can an insurer deny your claim despite meeting the set requirements?

Your insurance company may refuse to compensate you despite your case meeting the requirements for coverage. An insurer may also disagree with the value of your belongings or offer you a decreased payout, forcing you to pay for most of the costs out of pocket.

If your insurance company delays or refuses to fulfill its obligation, you should get legal help to protect your home.