Was your Florida homeowners insurance claim denied? Homeowners insurance is designed to protect you from financial losses in the event that your home is damaged or destroyed. However, many Florida homeowners do not realize that their policy does not cover all types of damage.

For example, most policies do not cover damage caused by flooding. And if you live in a hurricane-prone area, your policy may not cover damage from high winds or hail.

It is important to read your policy carefully and understand what is and is not covered. This will help ensure that you are fully protected in the event of a disaster.

A Floridian involved in a motorcycle accident fills out their injury claim form.

The Cliff Notes: Key Takeaways From This Post

  • 1
    Insurance companies in Florida can make costly mistakes when denying home insurance claims.
  • 2
    Reasons for incorrect denials may include leaving out important information or misinterpreting policy details.
  • 3
    Homeowners should review their policy carefully to understand what is and isn’t covered by the policy. Common exclusions include flooding, earthquakes/ground movement, mold, pests/infestations, aggressive pets, and neglect/poor maintenance.
  • 4
    If a claim is incorrectly denied, homeowners should have all the evidence they can to prove their case and contact the insurance company again.
  • 5
    For cases where the evidence isn’t enough, hiring a public insurance adjuster or an experienced insurance dispute attorney may be able to get homeowners a better settlement than on their own.

Insurance Companies Make Mistakes Too

Insurance companies in Florida make mistakes just like regular people do. However, their mistakes can be far more costly. When this happens, the company not only risks alienating the policyholder but also faces the potential for a lawsuit.

There are a number of reasons why an insurance company might mistakenly deny a home insurance claim.

One reason is that the company might not have all of the information it needs to make a decision. For example, the company might not have received all of the necessary documentation from the policyholder.

Another reason might be that the company has incorrectly interpreted the policy. For example, the company might believe that a particular incident is not covered by the policy when in fact it is.

Did Your Insurance Company Get The Facts Of Your Claim Wrong?

When the Francis family filed their home insurance claim in Florida, they were confident that they would be able to get back on their feet after their house caught fire. Unfortunately, the insurance company denied their claim, stating that the damage was not covered under the policy.

The Francis family was devastated. They had lost everything in the fire and now they were not going to be able to rebuild their home. They tried to appeal the decision, but the insurance company refused to budge.

It turned out that the insurance company had gotten the facts of the case wrong. The fire had started when a candle overturned and the company had ruled that it was an act of arson, which was not covered by the policy. However, it was later determined that the fire was actually an accident and should have been covered by the policy.

Review Your Homeowners Insurance Policy Carefully

Homeowners in Florida should carefully review their insurance policy to ensure that they are aware of what is and is not covered in the event of a claim. If their insurance claim gets denied, they may be left responsible for the damages.

The following are some of the most common exclusions that might not be covered by your homeowners insurance policy in Florida:


Homeowners insurance does not cover damage from occurrences like flooding, rain storms, sewer line backups, or water seepage from the ground that damages the home’s foundation. However, water damage from a burst pipe or a broken water heater is typically covered.

Earthquakes & Ground Movement

The ground movement exclusion refers to more than just earthquakes. It includes things like land shock waves from earthquakes, tremors before and after volcanic eruptions (and earthquakes too), landslides, mudslides, sinkholes, and any other sinking or shifting earth movements.

This exclusion doesn’t apply however if your home experiences fire or explosion damage that was triggered by an earth movement. That type of damage would be covered under standard homeowners insurance policies.

Rats, Termites, & Other Infestations

Homeowners insurance is designed to cover the owner’s property from fire, theft and other losses. However when it comes to animals like rats or termites; homeowners policies do not provide coverage for these types of infestations in almost all circumstances. There are extremely rare situations where the damage caused by an infestation could end up being covered by the policy. Say, for instance, a termite infestation causes part of your house to collapse. This damage may be covered under the “collapse” p