10/17/2026
🏡 ATTN HOMEOWNERS
💧 WATER DAMAGE: IS YOUR HOMEOWNERS INSURANCE REALLY PROTECTING YOU?
Imagine coming home to discover a leaking pipe has damaged your floors, cabinets and drywall.
You have homeowners insurance, so you’re covered… right?
Not necessarily to the extent you might expect!
In Florida, homeowners policies can have very different limits and restrictions for water damage.
💧 Sudden & Accidental Water Damage: A burst pipe may be covered, subject to your policy’s terms and deductible.
💧 Water Damage Limits: Some policies have special limits, such as $10,000, for certain non-weather-related water losses—even when repairs cost substantially more.
💧 Repeated Leakage & Moisture: Damage from ongoing leaks, seepage or moisture may be excluded or restricted.
💧 Mold Damage: Remediation often has separate coverage limits, which can leave homeowners facing significant expenses.
⚠️ HERE’S WHAT EVERY HOMEOWNER SHOULD KNOW:
Having $500,000 in dwelling coverage does NOT necessarily mean you have $500,000 available for a water damage claim.
At O&A Risk Solutions, we compare more than premiums. We review the coverage limits, exclusions and endorsements that can make a major difference when a claim happens.
The time to discover a coverage limitation is BEFORE you have a claim—not after.
O&A Risk Solutions
Omar Calderon | President & Senior Risk Advisor
📞 904-788-5671
🌐 www.oarisksolutions.com
Your Risk, Our Solutions.
Coverage varies by insurer and policy. Flooding and certain water backup losses typically require separate coverage.
