What to Do When a Pipe Bursts in Florida: A Homeowner’s Insurance Claim Guide

Frozen and burst water pipes are becoming increasingly common in Florida due to recent cold weather. While many homeowners don’t expect freezing temperatures to cause plumbing damage, a sudden pipe burst can lead to significant water loss, structural issues, and confusion about how to handle the insurance claim that follows.

If a pipe bursts in your home, the steps you take immediately afterward can greatly affect the success of your homeowners insurance claim. Here is a practical guide to help Florida homeowners protect both their property and their insurance rights.

1. Contact Your Insurance Company First

Your first call should be to your insurance company — even before you call a plumber or mitigation company. Most insurers have established procedures and preferred vendors who can help with water mitigation, cleanup, and emergency services.

By contacting your insurer right away, you allow them to:

• Guide the mitigation and cleanup process
• Recommend qualified professionals
• Document the loss from the beginning

This early communication can prevent misunderstandings and reduce the risk of complications later in the claims process.

2. Document Everything Thoroughly

Documentation is critical in water damage claims. Before, during, and after repairs or mitigation, take extensive photos and videos. Be sure to capture:

• The location and condition of the burst pipe
• Visible water damage throughout the home
• Affected walls, floors, ceilings, and furniture
• Damaged personal property or contents
• The cleanup, drying, and repair process

Clear documentation strengthens your claim and provides evidence if questions arise about the extent of the damage or the cause of the loss.

3. Allow the Insurance Company to Adjust the Claim

Even if you begin mitigation quickly which is often necessary to prevent further damage, your insurance company must still have the opportunity to inspect the loss.

An insurance adjuster may need to:

• Determine the cause of the loss
• Assess the full scope of damage
• Confirm coverage under your policy

If the insurer is not given the chance to inspect the damage, your claim may be delayed or complicated. Always confirm inspection procedures with your carrier.

4. Communicate Before Making Major Repairs

Emergency steps such as shutting off water, stopping active leaks, and removing standing water are generally appropriate. However, major or permanent repairs should wait until your insurance company is notified and has documented the damage.

Proceeding with significant repairs without communication can make it harder for the insurer to evaluate the claim and may lead to disputes over coverage or reimbursement.

What to Do if You Disagree With the Claim Decision

If you aren’t satisfied with the insurer’s coverage determination or settlement offer, you can:

• Provide additional documentation
• Request reconsideration
• Ask about mediation as a next step

Mediation is a confidential, efficient process that helps resolve coverage or valuation disputes without immediately resorting to litigation.

Protecting Your Claim After a Burst Pipe

Pipe bursts are stressful and often unexpected. By acting quickly, documenting thoroughly, and keeping clear communication with your insurance company, Florida homeowners can reduce delays and strengthen their claims.

If a disagreement arises, understanding your options including mediation, can help move the process toward resolution and give you a clearer path forward.