Peninsula Public Adjuster


Has your property fallen victim to the destructive forces of water? Don’t let the tide of a water damage insurance claim overwhelms you!

Safely and promptly addressing water incidents can differentiate between an efficient, short claim process and a larger, more complex one. That’s where Peninsula Public Adjusters jumps to the rescue! Our dedicated team of public adjusters in Florida is here to help you navigate the murky waters of insurance, ensuring you receive the maximum compensation for your losses. We’ve helped tons of property owners with water damage claims in Florida.

Let our experts handle the stressful claims process so you can focus on the restoration process.

Water Damage Florida

What is Water Damage Insurance?

Water damage insurance is a type of coverage that provides financial protection for property owners against damages caused by water-related incidents.

Some frequent sources of damage caused by water come from:

  • Flooding and storm damage

  • Leaking appliances, water heaters, faulty plumbing

  • Overflowing toilets, bathtubs, and sinks

  • Flooded basements

  • Tornadoes and thunderstorms

  • Hurricanes and tropical storms Sewage backups

How Do I Get the Most Out of My Water Damage Claim?

Dealing with an insurance adjuster after water damage can feel intimidating, especially if it’s your first time. These claims require careful planning to ensure you make the most of them. Here are some simple steps and recommendations from our experienced public adjusters you can follow:

Consider Safety First

A flooded structure easily hides dangers such as live wires, dangerous falls, floating debris, and other elements that could cause significant harm or death. Before venturing into flooded areas, consider letting the experts in first.

NEVER turn the power on or off, nor use an electric tool or appliance while standing in water.

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What to Do in Case of Water Damage?
Water Damage Public Insurance Adjuster

Partner with Your Public Adjuster and Contact Your Insurance Company

Your insurance Adjuster will represent your interests when dealing with your insurance company. We Help you mitigate the damage and restore your property quickly.

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Mitigate Further Damage

Water damage is a race against time. The longer the water sits, the worse damage it causes. Take immediate steps to prevent further damage, such as stopping the water source, drying the affected areas, and arranging temporary repairs. Talk to one of our experienced Florida insurance adjusters for advice on when and how to start restoration work.

Water Damage
Water Damage Register

Safely Document the Damage

Only if it is safe, take pictures and video of the affected areas including structures, appliances, electronics, furniture, vehicles, walls, roofs, and ceilings, etc.
Our skilled team of water damage insurance adjusters in Florida will expertly and safely walk you through the proper documentation of the damages to make sure the insurance company has all the necessary information readily available.

Meet with the Insurance Adjuster

An adjuster will be assigned to assess the damage and determine the coverage and amount of compensation. Arrange a meeting to allow them to inspect the property and present your evidence.

Water Damage Adjuster

Finalize the Claim

Once you and the insurance company agree, finalize the claim by accepting the settlement offer. If any negotiation is needed, do so before signing any agreement. Follow any instructions provided by your company to process the payment.

Complete the Repairs

And voila! You are ready to start with the repairs. Use the settlement funds to complete your property’s necessary restoration. Keep records and receipts of all the expenses incurred.

Water Restoration Work

Does Florida Homeowners Insurance Cover Water Damage?

Generally, homeowners insurance in Florida covers water damages caused by accidental incidents, such as burst pipes, plumbing leaks, or appliance malfunctions. However, it’s essential to review your policy’s specific terms and conditions, as coverage can vary among different providers. That’s why hiring a trustworthy public adjuster is essential to ensure you are fully aware of your policy’s limitations and obtain the appropriate financial coverage.

How Long do you Have to File a Flood Claim in Florida?

We recommend filing a flood claim immediately after suffering the incident. According to the National Flood Insurance Program (NFIP) regulations, policyholders must typically file a flood insurance claim within one year of the loss or damage. Nonetheless, insurance companies may have specific requirements regarding the timing of filing a claim. Review your flood insurance policy and consult with your provider to determine the exact deadline based on your needs. The sooner, the better.

Contact Peninsula Public Adjusters Today!

We are the best option to handle your claim process. Our team has helped many property owners get the coverage they deserve for many years, and you can be one of them. Contact us today for a free consultation! Don’t go through this challenging time alone.


The process for starting a claim for a burst pipe is the same as for other water incidents. To do it, follow the next steps:

  1. Shut off the water to avoid the leak to continue

  2. Mitigate further damage

  3. Document the damaged items

  4. Contact Peninsula Public Adjuser to receive help and guidance in your claim process

  5. Meet with the insurance adjuster and present all evidence

  6. Negotiate and finalize the claim

  7. Complete the repairs

We’ve already discussed what to do when filing a claim for water damage. But what about what you shouldn’t do? Here are some things you want to avoid to make the most of your claims process.

  1. Never admit fault for external factors

  2. Don’t make exaggerations, as it will look as if you are lying

  3. Don’t make emotional statements as devastated as you may be. Keep it professional

  4. Avoid Inconsistent statements. Be honest about what happened to avoid raising red flags to your insurer.

  5. Don’t make false assumptions or speculations. Stick with the facts and ask questions if needed.