Commercial Water Damage Claims in Florida

When water intrudes into a commercial property, it can halt operations instantly. From roof leaks and burst pipes to sprinkler discharges, every hour of delay increases loss. Public Loss Adjusters, LLC helps Florida businesses document and recover from commercial water damage claims efficiently and in full compliance with state law.

Understanding Your Coverage

Water losses are among the most common commercial insurance claims in Florida. Policies cover damage caused by sudden and accidental discharge, not gradual leaks. Our role is to interpret your policy, document every affected area, and ensure the insurer correctly applies coverage limits under §626.854 and §627.70131, Florida Statutes.

We focus on protecting both structural and business personal property coverage, as well as preserving your rights to pursue supplemental claims if additional damage is found during repairs.

Common Disputes We Handle

• Partial dry-out disputes — insurer stops payment before full moisture removal.
• Slab leaks — water damage originating below the foundation.
• Roof leaks and wind-driven rain claims.
• Mold growth after water loss where carrier denies extended coverage.
• Business interruption for closures during mitigation.

Our Documentation Process

We collect detailed data from the first inspection to the final invoice:

• Moisture mapping and thermal imaging documentation.
• Category 1–3 water classification with drying logs.
• Independent mitigation and rebuild estimates (Xactimate).
• Code upgrade compliance per local jurisdiction.
• Proof of loss and statutory response tracking.

Timelines & Statutory Rights

Under §627.70131, your insurer must acknowledge your claim within 14 days and pay or deny within 90 days unless factors beyond their control prevent it. We enforce these timelines and push for prompt, fair settlements through direct negotiation or, when necessary, appraisal or mediation.

Frequently Asked Questions

What should I do immediately after discovering water damage?

Stop the source of water, document all affected areas with photos, and contact a licensed public adjuster before starting major cleanup or repairs.

Does my policy cover mold from water damage?

Most policies provide limited coverage for mold caused by a covered water loss, often capped at $10,000. We help maximize your recovery by separating structure and content claims.

What if the insurance company’s dry-out company says the area is already dry?

You have the right to obtain your own moisture readings and hire an independent restoration company to verify conditions before accepting closure.

Can I claim business interruption for time lost during repairs?

Yes. If your business was unable to operate due to water-related damage, your business interruption coverage may apply once a direct physical loss is proven.

When should I hire a public adjuster?

Immediately after the incident. Early documentation preserves your rights and prevents underpayment or denial later in the process.

Notice: This page provides general information for Florida policyholders and does not constitute legal advice. Public Loss Adjusters, LLC, License A161638. Consistent with §626.854 and timelines under §627.70131, Florida Statutes. Supporting documentation and exhibits are provided under separate cover upon request. Please confirm receipt in writing.