Major Plumbing Damage insurance claims West Palm Beach, Fort Lauderdale, Miami, Tampa, Orlando, Fort Myers, Naples
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Major Plumbing Damage

Major Plumbing Damage

Plumbing damage in Florida can range from mild to severe depending on the reasons behind the issue. The bad news is that the most you can do is have the pipes replaced. The good news is that with help from a public adjuster, you can get a fair settlement from your insurance company.

But what type of damage are we talking about? Here are a few plumbing problems that Floridians face regularly:

Dripping or Leaky Faucets

That dripping faucet will become more than a minor annoyance if it is not fixed quickly. Besides increasing your water bill, the pooling water can lead to costly damages.  This is usually caused by a damaged or improperly-installed washer. As the faucet is used every day, the washer is forced against the valve seat which makes it wear down over time. This is a common plumbing problem in Florida as well as any home that has multiple bathrooms and a well-used kitchen.

Mold and Mildew Growth

A faucet that drips most of the day is creating the perfect environment for mold and mildew to grow. This can also happen if you don’t mop up the spills in your kitchen or puddles on your bathroom floor quickly. Homeowners in Florida often face this issue because of high humidity levels that the hurricane state is prone to.


While pipes in any household in the state can corrode with time and lack of maintenance, so Florida homeowners have to be more diligent. That’s because most of the drinking water in the state comes from groundwater which contains high levels of minerals and sediments. While chlorination does get rid of most hazardous contaminants, the chlorine eventually erodes the pipes.

This can cause leaks that can destroy your basement and walls and turn your home into a bacteria-rich Petri dish! The standing water can also do a number on your plumbing fixtures and if the local water supply has low pH, it can lead to a corrosive chemical reaction that can destroy all of your pipes in short time. In most cases, a complete replacement can eliminate the issue, but that’s what insurance is for.


Florida is surrounded by water which not only makes it prone to storms, but also makes it highly humid. It is little wonder why the perpetually wet state is home to some of the most diverse wildlife in the nation ranging from frogs and lizards to the occasional snakes. These can turn into unwelcome house guests if they get access to your plumbing.

Besides being a terrifying reality, these pests can do a lot of damage to your pipes. An errant frog can block water flow and cause waste to backup in the pipes right into your home.

Why You Need a Public Adjuster to Determine Plumbing Damage in Florida

While you know how much damage the aforementioned issues did to your pipes convincing your insurance company that you deserve to be compensated for it is a different ball game. This is where a public adjuster can prove invaluable.

At Darryl Davis Public Adjusters we will act as mediators between you and the insurance company to your benefit. The company knows that most policy holders don’t know much about their claim and policy. As seasoned insurance claims adjusters, we know it inside and out and will help you recover claims with ease.