Emergency Services
(888) 979-7969
(888) 979-7969
(888) 979-7969
Living in the City Beautiful has its perks—world-class theme parks, beautiful lakes, and sunny weather year-round. But owning a home in Central Florida also means dealing with unique challenges like hurricanes, intense thunderstorms, and the occasional sinkhole scare. When damage happens to your biggest investment, the stress of repairs is often compounded by the confusing maze of insurance paperwork.
If you're staring at a water-stained ceiling or a roof missing shingles after a summer storm, you might feel overwhelmed. Filing a claim seems straightforward, but one wrong move can lead to delays, underpayments, or outright denials. Knowing what to do before you pick up the phone to call your adjuster can make a massive difference in the outcome of your claim.
This guide breaks down everything you need to know about handling property claims in Orlando, FL. We will walk you through what damage is typically covered, the exact steps to take when disaster strikes, and the mistakes that could cost you thousands.
Does your standard homeowner's policy cover that specific issue? Most policies in Florida cover sudden and accidental damage, but the specifics can get tricky depending on the cause.
Given our location, windstorms are a major concern. Standard policies usually cover damage from wind and hail, which is crucial during hurricane season. This includes damage to your roof, siding, and windows. However, be aware of your "hurricane deductible," which is often a percentage of your home's insured value (usually 2% to 5%) rather than a flat dollar amount like $500 or $1,000.
Water damage is one of the most common reasons for property claims in Orlando, FL. This category is split into two main types:
While less common than water issues, fire damage is almost always covered. This includes damage from the flames themselves as well as smoke damage to your walls, furniture, and personal belongings.
Florida is known for its limestone ground, which can lead to sinkholes. By law, insurance companies must offer coverage for "catastrophic ground cover collapse," but comprehensive sinkhole coverage is often an optional add-on. If you notice stair-step cracks in your exterior walls or doors that won't close, you need to check your policy specifics immediately.
Filing a claim involves more than just calling an 800 number. Following a structured process helps ensure your claim is taken seriously and processed faster.
Your first job is to stop the bleeding. If a pipe is bursting, turn off the main water valve. If a window is broken, board it up. Insurance policies require you to mitigate damages. If you let water sit for days and mold grows, the insurance company may deny that portion of the claim because you failed to act.
Before you clean up, get your camera out. Take clear photos and videos of all the damage. This includes:
Dig out your declaration page. You need to know your deductible and your coverage limits. Understanding these numbers helps you decide if filing a claim is even worth it. If the damage is $1,200 but your deductible is $2,500, filing a claim won't result in a payout and will simply put a mark on your insurance history.
Report the loss promptly. Be honest and stick to the facts. Avoid guessing about the cause of the damage if you're not sure. Simply state what you see: "I came home and found water on the kitchen floor."
The insurance company will send their adjuster to look at the damage. Remember, that adjuster works for the insurance company, not you. It's often wise to get estimates from trusted local contractors or hire a public adjuster who advocates on your behalf.
Why do valid claims get denied? Often, it comes down to simple errors or misunderstandings during the filing process.
Florida law recently changed regarding how long you have to file a claim. You generally have one year from the date of loss to file a newly discovered claim. Waiting too long makes it harder to prove the damage happened when you said it did, and it gives the insurance company an easy reason to deny coverage.
We mentioned mitigating damage, but there is a fine line. Don't throw away the ruined carpet or the broken pipe until the adjuster has seen it. If you dispose of the evidence, the insurance company cannot verify the extent of the loss. Keep damaged items in a garage or separate pile until you get the green light to toss them.
The first check from the insurance company is rarely the final amount. It's usually an undisputed payment to get you started. If the amount doesn't cover your contractor's estimate, don't sign a release form closing the claim. You have the right to negotiate and submit supplemental claims if more damage is found during repairs.
Some contractors may ask you to sign an AOB, which transfers your insurance rights directly to them. While this can be convenient, it also means you lose control over the claim. If the contractor inflates the price and the insurance company refuses to pay, you could be stuck with a lien on your home. Be very careful about what you sign.
Dealing with insurance adjusters, contractors, and paperwork is a full-time job. Most homeowners in Orlando already have full-time jobs and families to care for. That is where we come in.
Ultra Property Damage specializes in managing property claims in Orlando, FL. We are not just another vendor; we are your advocates. We understand the local building codes, the specific weather patterns that affect our homes, and the tactics insurance companies use to minimize payouts.
We help by:
We know that a roof leak isn't just a drip; it's a threat to your family's comfort and safety. We treat your home like our own.
Navigating property claims in Orlando, FL doesn't have to be a nightmare. By understanding what your policy covers, documenting your damage thoroughly, and avoiding common mistakes, you can get your home back to normal faster.
If you have suffered property damage and aren't sure where to turn, don't face the insurance giants alone. Let the local experts help you get the settlement you deserve.
Ready to get your claim moving? Contact Ultra Property Damage today for a free consultation and let us fight for you.
