TL;DR
Plumbing disasters like burst pipes and slab leaks can cause major water damage, mold, and stress. Insurance companies often underpay or deny claims—but Panther Public Adjusting ensures Florida homeowners get every dollar they deserve. From claim filing to fighting denials, our experts turn insurance frustration into real, fair payouts.
Top Plumbing Insurance Claims (And Why They’re Denied)
1. Burst Pipes
In older communities like Lakeland and Winter Haven, deteriorating pipe materials (like cast iron or polybutylene) frequently lead to sudden bursts. Insurance adjusters may deny the claim citing wear and tear or lack of maintenance.
A Panther public adjuster helps document and present the damage as sudden and accidental, increasing your chances of approval and full payout.
2. Slab Leaks
Common in homes with concrete foundations—like many in Ocala, Port Charlotte, and Lehigh Acres—slab leaks often go undetected for weeks. Insurers may argue that the damage is gradual and therefore excluded.
We bring in leak detection experts, thermal cameras, and policy knowledge to make sure your insurer can’t ignore or minimize the issue.
🎯 Want proof this works? Read how $618 turned into $68,000 with Panther’s help.
3. Sewer and Drain Backups
If you live in Hollywood, Davie, or Sunrise, city sewer lines may back up into your home, especially during storms. Without the right policy endorsements, insurers may deny these completely.
Panther’s experts know how to challenge unfair denials, prove cause, and fight exclusions. We’ve successfully recovered 5-figure settlements in cases where homeowners were initially offered less than $2,000.
4. Appliance Leaks
In suburban homes around Pembroke Pines, Palm Bay, or Clearwater, leaking dishwashers, water heaters, and washing machines can slowly damage walls and subflooring. Insurers commonly label this as “maintenance-related,” avoiding responsibility.
Panther knows how to reframe these claims, proving they resulted in sudden consequential damage—and are therefore covered.
How Insurance Companies Lowball Plumbing Claims
From Jacksonville to Boca Raton, we’ve seen nearly every trick in the book. Insurers use a playbook of delay and deny tactics—and most homeowners never realize it’s happening.
The Most Common Tactics:
- “We found pre-existing damage”
- “Your policy doesn’t cover this specific type of leak”
- “This was preventable and due to poor maintenance”
- “You didn’t report it soon enough”
- “This is below your deductible”
Often, they’ll send their own adjusters in Daytona Beach, Plantation, or Doral, who work for them, not for you.
📚 Learn how to fight back with our guide: Don’t Let Your Insurance Company Get Away With This Trick
Why You Need a Public Adjuster From the Start
Homeowners in cities like Altamonte Springs, Port St. Lucie, and Bonita Springs frequently come to us after getting a terrible offer—or no offer at all.
The biggest mistake? Not calling us sooner.
Here’s What Panther Does That You Can’t Get Alone:
- We analyze your policy to find hidden coverage
- We capture detailed photographic and moisture evidence
- We write expert damage estimates
- We meet the insurer’s adjuster to push back in real-time
- We negotiate aggressively until you get what you’re owed
💡 Remember: The insurance company has adjusters. So should you.
Can a Roofer Handle Your Plumbing Claim? Nope—Here’s Why
Even in coastal towns like Marco Island or Key Largo, we see contractors trying to handle insurance claims on behalf of homeowners. It’s a costly mistake.
Roofers and handymen:
- ❌ Can’t interpret policy language
- ❌ Aren’t licensed to represent you
- ❌ May offer estimates that insurers reject
Read more about this issue here: Why Your Roofer Can’t Handle Your Insurance Claim
What to Do if Your Plumbing Claim Was Denied
Denied claims are not the end of the road—especially in Homestead, Greenacres, or St. Cloud, where we’ve helped clients recover even after rejection.
✅ Florida law gives you up to 2 years to reopen the claim
✅ Panther will request the insurer’s full claim file
✅ We bring in third-party experts to counter their findings
📧 Send your denial letter and policy to Claims@PantherPA.com. We’ll review it at no cost.
Are You Losing Money on Receipts?
In claims from North Port, Palm Coast, and Lake Worth, homeowners often forget to claim:
- Hotel stays
- Plumbing invoices
- Demolition and trash removal
- Furniture replacement
- Mold inspections
Our blog on keeping receipts after a hurricane shows just how much people leave behind. Don’t make that mistake.
Spot Plumbing Problems Early and Protect Your Claim
In cities like Winter Garden, Coral Gables, and Titusville, homes with older plumbing are at greater risk.
Look out for:
- 🚿 Unexpected water bill spikes
- 🦶 Warm spots on tile or concrete
- 🧼 Musty smells in closets or cabinetry
- 💧 Discolored caulking or warped wood
- 🕳️ Peeling baseboards or drywall bubbles
Not sure what you’re seeing? Call us first.
More Resources for Florida Homeowners
- 🏫 Your Daughter’s Dorm Catches Fire
- 🔥 How to Fight for What You’re Owed
- 🎥 Watch video tips on My Insurance Claim Expert
- 👥 Join the conversation in Anything About Property Insurance Claims 101
We’re Ready When You Are—Let’s Get You Paid
Wherever you are in Florida—Orlando, Gainesville, Melbourne, or Boynton Beach—Panther Public Adjusting is your ally.
✅ We fight unfair denials
✅ We uncover hidden coverage
✅ We negotiate top-dollar settlements
Ready to get started?
📞 Call us now at 833-726-8437
📧 Email your policy to Claims@PantherPA.com
🌐 Fill out the contact form at pantherpa.com/#contact
Plumbing Claim FAQs
Q: Should I wait for the insurance company before hiring a public adjuster?
No. The sooner you involve Panther Public Adjusting, the stronger your case. Don’t let the insurance company control the narrative.
Q: What if my plumbing claim was already denied?
We can reopen and fight denied or underpaid claims. You have up to two years in Florida to dispute a claim.
Q: Does homeowners insurance cover plumbing damage?
It depends. Most policies cover sudden and accidental water damage but not maintenance or wear and tear. We interpret your policy to find maximum coverage.