What are the most common Homeowner Insurance Claims in Florida

What are the most common Homeowner Insurance Claims in Florida?

Florida is a state that is known for its sunny beaches, warm weather, and countless attractions. However, it is also known for its natural disasters like hurricanes, floods, and thunderstorms. These disasters can cause significant damage to homes, leaving homeowners with the burden of costly repairs. That is why it is essential to have homeowner insurance to protect your property from such disasters. In this blog post, we will discuss the most common homeowner insurance claims in Florida.


Water Damage

Water Damage

Water damage is the most common homeowner insurance claim in Florida. It accounts for about 50% of all claims. Water damage can be caused by various factors such as natural disasters, plumbing problems, or leaking roofs. It can cause significant damage to your home, including mold growth, structural damage, and damage to personal belongings.

Water Damage Emergency Here is a list of reputable water damage restoration companies.

DryUp Restoration


Their focus is to save you money, time, and save you from even more water damage. Family-owned in Ft. Lauderdale, Orlando, and Tampa. Certified for COVID 19 cleaning and disinfecting services. Restoration licenses and mold certificates as well. They accept all insurances. and provide 24/7 emergency services

United Water Restoration Group


Locally owned with hand-picked employees so every client gets the attention they deserve. Your 24/7 fire, mold, and water damage restoration company. Started in Ormand beach for 14 years evolved into a national franchise company with the same family values and personal attention.

Tri-County All Restoration


Always applying Respect, Integrity, and Pride as their guiding principles. Putting “PEOPLE BEFORE PROFIT”. They have won the super service award from Angie’s list for the last 7 years. Been in business for 25 years serving Broward County, Miami-Dade County, and Palm Beach County.

Restore Force


Quality that is guaranteed. Locally owned and serving North Palm beach county. Services include mold removal, water damage restoration, fire damage restoration, and storm damage. Restore Force Inc staffers are well equipped to handle nationwide catastrophic losses.



South Florida’s TRUSTED Water Damage, Mold & Fire Remediation service. They have been in business for over 10 years with 15 years of experience. Offering fair and honest pricing by using Xactimate (price list dictated by the insurance industry which is zip code specific and updated monthly) They are full-service restoration company who can help you with your mitigation and remediation as well as reconstruction.

Hurricane Damage

Hurricanes are a common occurrence in Florida. They can cause significant damage to homes, including roof damage, broken windows, and flooding. Hurricane damage accounts for about 30% of all homeowner insurance claims in Florida.

Hurricane Damage

Experiencing Roof Damage is hard. Finding a reputable roofer can be even harder. Here is a list of Roof Restoration

Pro Guard Roofing


Striving to Be The Best! Proguard is a family-owned and operated Roofing Contractor business based in Jupiter, Florida. They specialize in residential and commercial roof repairs and replacements. They put an emphasis on quality over quantity. They believe that your contractor should treat your home as if it were their own. They don’t cut corners, and when it comes to your roof, why would you want someone that does?

Capps Roofing Inc


The two brothers Blake and Mark Capps opened in 1993. Serving Martin, St Lucie, and Palm Beach counties. They offer repairs, roofing, and inspections on Tile roofs, Shingle roofs, Flat roofs, and metal roofs.

All American Roofing & Coating of Florida Inc

All American Roofer

Your roof matters. Treating every home like it’s their own. Family-owned and operated with over 35 years of experience. Serving Indian River, Port St. Lucie, Okeechobee, Martin County, Palm Beach County, Lee County, Collier County, Charlotte County, and Broward County. They offer services that range from wind mitigation, roof-a-cide (chemical treatment that prevents algae), new construction, and many more.

Joe Ward Enterprises Inc Roofing Division


Founded in 1986, Joe Ward Roofing is a third-generation, family-owned company. Serving Miami, Coral Gables, Homestead, Pinecrest, Surfside, South Miami, Key Biscayne, and all of the Dade County area. Two locations in Florida City and Jupiter.

1. Roof Repair/Leak Repair
2. Roof Restoration/Maintenance
3. Roof Replacement
4. Roof Inspections
5. Broken/Missing Shingle Replacement
6. Emergency Storm Repairs
7. Fascia and Soffit Replacement
8. Wall Flashing
9. Accessories
10. GACO Treatments

Damage from a storm? It can be tough to find help. Here is a list of Florida storm damage companies

Rhyne Hurricane Storm Damage Restoration Roofing


At Rhyner, they believe Knowledge + Teamwork = SUCCESS!! Family owned and operated in Orlando, Florida since 2004. They Specialize in Hail and wind damage. Services include repair or installation of roofs, siding, and gutters. They also offer a stress-free financing option for homeowners.

All Trades Roofing Hurricane Storm Damage Restoration


All trades, their name says it all! Family owned and operated for 19 years. All Trades serves Tampa Bay, Bradenton, Sarasota, Orlando, Palm Beach, Fort Lauderdale, and Miami-Dade Counties. Offering roofing, restoration, and construction services. Licensed general contractor, Certified roofing contractor, home inspector, insurance restoration experts, and experienced insurance claims consultants.

Puro Clean Hurricane Storm Damage Restoration


The paramedics of property damage. Owners Daniel and Natasha Castro moved from Georgia to open PuroClean. They offer water damage, mold removal, fire and smoke damage, mold removal, biohazard cleanup, and reconstruction. They serve from Port St. Lucie up North to Boca Raton down South. When the customer is able to be flexible about response time, we are able to travel even further and also offer 24/7 emergency services.

Noah Hurricane Storm Damage Restoration


Integrity In The Face Of Disaster. Noah Restoration is owned by Ryan Construction & Development Corporation, which has been in business since 2006. Serving Palm Beach County and Broward county. Offering water damage, fire damage, disaster restoration, flood damage, mold remediation, sewage back-up, and cleanup service and mold testing.

Theft Damage

Theft Damage

Theft is another common homeowner insurance claim in Florida. It can occur at any time, and it can be devastating to lose valuable personal belongings. Homeowner insurance can help you recover from such losses.

911 Florida


9-1-1 Program Services is a Division of Palm Beach County’s Public Safety Department. This Team is responsible for deploying and maintaining the technical infrastructure that enables 9-1-1 call routing, and supports the 15 Public Safety Answering Points serving the citizens of Palm Beach County and our visitors.

Fire Damage

Fire damage is a rare occurrence, but it can cause significant damage to homes. It can be caused by various factors such as electrical problems, kitchen fires, and lightning strikes. Homeowner insurance can help you recover from such losses.

Fire Damage
911 Restoration


911 Restoration offers comprehensive fire and smoke damage restoration services, starting with a walk-through to assess your property. Call our Fire Information Center 24/7 to talk to an expert and schedule your appointment.

CFRS Central Florida Restoration Solutions


Home fires can range from small to completely devastating. The biggest home fires can cause serious damage to the structural integrity of your home in no time flat. But no matter the size, most fires create some kind of fire damage. Commonly, house fires are known to leave behind discoloration and soot which is difficult to clean and can destroy your furniture, cabinetry, and personal items.



We strive to deliver the most outstanding restoration experience for residents in South Florida and select counties in Texas. We complete every project with long-lasting results you can rely on. Whether we are restoring, remediating, or rebuilding, the quality of our work speaks for itself.



Providers of professional home and business restoration services. Our mission is to serve our community and the members therein with outstanding professionalism when it comes to mitigating damages to your property. We have over 25 years of combined experience. Contact us today to learn why more businesses and individuals are turning to MR 1 Source Restoration for all their restoration needs.

All Dry US


All Dry USA offers residential and commercial Mold, Water & Fire damage remediation and remodeling services throughout Florida. Don’t see your city listed? Give us a call. Our headquarters is located in Boynton Beach, FL. We have emergency cleanup crews ready for response and can be anywhere from Jupiter to Homestead within an hour.

In conclusion, homeowner insurance is essential in Florida due to the state’s natural disasters and other risks. It is crucial to have a comprehensive policy that covers all potential risks. The most common claims in Florida include water damage, hurricane damage, theft, and fire damage. By having homeowner insurance, you can protect your home and personal belongings from such losses.