Water damage is one of the most common and destructive issues homeowners face. This is especially true in Florida, where heavy rains and hurricanes are a regular, recurring part of life in the tropics. Water intrusion, whether it’s a torrential downpour or a sneaky, slow leak can lead to extensive and costly water damage repairs.
How much do you know about the damage water intrusion can cause, and what you should do when it happens to you? Let’s dive in and uncover the causes, consequences, and crucial steps you can take to protect your property from this all-too-common menace.
Causes & Prevalence of Water Damage in Florida
Water damage can strike any home, and Floridians know this better than most. From deluge-like downpours to leaky pipes, the causes of water damage are varied. Common culprits include:
- Heavy rainfall and flooding – Florida's rainy season and hurricane threats make it a hotbed for water-related disasters.
- Plumbing issues – Burst pipes, overflowing toilets, and corroded water heaters can cause extensive damage indoors.
- Roof leaks – Damaged shingles or clogged gutters can lead to water seeping into your attic, down your walls, and beyond.
- Appliance failures – Washing machines, dishwashers, and refrigerators can all cause significant water damage if they malfunction.
Water damage, it turns out, is right behind wind and hail as one of the biggest reasons homeowners submit insurance claims, according to the most recent data obtained by the Insurance Information Institute (III). This means 1 out of every 60 homeowners experience water damage significant enough to file a claim, the III says – and the average loss is about $12,500. If your water intrusion is from flooding, your water damage repair costs can begin at twice the amount. FEMA's flood calculator indicates just 1" of floodwater in your home can cause up to $25,000 in damages.
Florida has the second highest number of water damage insurance claims – second only to California, according to National Insurance Crime Bureau (NICB) reports. In fact, Florida made the NICB list twice, with Miami recognized as the fifth-worst city for water damage claims.
Even the Smallest Amount of Water Can Cause Big Problems
As the FEMA flood calculator notes, it doesn't take much water to cause significant damage. Even a small, unnoticed leak can lead to serious issues if not addressed promptly. The longer water sits, the more damage it can cause. Mold begins to grow within 24 to 48 hours, leading to potential health hazards. Structural damage can follow shortly after. Ignoring water damage is never an option – the problems will only get worse. Thus, the sooner you address it, the better.
Water damage can manifest in several ways, each more insidious than the last. Here's a breakdown of the most common ways water damage can harm you and your home:
Structural Damage
Water weakens the very bones of your home. It can warp wood, rust metal, and erode foundations. Left unchecked, structural damage can make your home unsafe. Repairing structural damage due to water can cost, according to some estimates, between $1,500 to $10,000, depending on the severity and location of the damage. Structural issues are the most expensive type of water damage repair because they often require extensive work to restore the home’s stability. Addressing these issues promptly is crucial to avoid further deterioration and escalating water damage repair costs.
Mold & Mildew
Mold thrives in damp environments, spreading rapidly and releasing spores into the air. These spores can cause respiratory issues, allergies, and other health problems. The U.S. Centers for Disease Control and Prevention says mold exposure can lead to symptoms like coughing, wheezing, and skin irritation. Mold can damage your walls, furnishings (e.g., carpets, chairs, sofas), as well as any porous personal belongings, such as clothes and shoes, which may simply fall apart if not cleaned of the mold.
Electrical Hazards
Water and electricity are a dangerous mix. Water can infiltrate electrical systems, leading to short circuits, damaged appliances, and fire hazards. Always turn off the power at the breaker box if you suspect water has reached electrical outlets or devices.
Damage to Personal Belongings
Water can ruin furniture, clothing, electronics, and cherished personal items. While some things can be dried out and cleaned, others might be lost forever. The emotional toll of losing irreplaceable items can be significant.
Pest Infestations
Damp conditions attract pests like termites, cockroaches, and rodents. These unwelcome guests can cause further damage and pose health risks. According to the University of Florida Institute of Food and Agricultural Sciences (UF/IFAS), termite damage alone costs homeowners billions of dollars annually.
Take Immediate Action: What to Do When Water Invades
When water invades your home, swift action is critical. Here's a timeline of steps you can take:
First 24 Hours
- Stop the water source – If it's a burst pipe, shut off the main water valve. For external water, try to divert it away from your home.
- Document the damage – Take photos and videos of all affected areas and items. This documentation is crucial for insurance claims.
- Remove excess water – Use buckets, mops, and wet/dry vacuums to remove as much water as possible.
- Protect your belongings – Move furniture and valuables to dry areas. Prop up wet cushions and place aluminum foil under furniture legs to prevent staining.
Within the First Week
- Dry everything out – Use fans, dehumidifiers, and open windows to help dry out your home. The goal is to reduce moisture levels as quickly as possible.
- Clean and disinfect – Remove debris and clean all surfaces with disinfectants to prevent mold growth.
- Check for mold – Inspect your home and belongings for signs of mold and mildew. If you find any, consider hiring a professional for safe removal.
Ongoing Maintenance
- Repair and restore – Begin water damage repairs once everything is dry. This might include fixing drywall, replacing flooring, or repainting walls.
- Monitor for issues – Keep an eye on the affected areas for any signs of lingering moisture or mold.
Role of Your Insurer in Water Damage Repair
Contacting your insurer should be your first step after you discover water damage in your home. Here’s why:
- Immediate assistance – Your insurer can guide you through the initial steps of submitting a claim, as well as provide resources to help mitigate further damage.
- Approved vendors – Home insurers often have a list of approved vendors for emergency services, such as boarding up windows or tarping roofs.
- Claim documentation – Taking pictures and setting aside damaged property for the insurance adjuster can help make the processing of your claim more efficient.
- Prevent further damage – Take steps to prevent further damage, like boarding up broken windows or removing a fallen tree from your roof.
Turn the Tide on Water Damage With Ovation Home Insurance Exchange
Water damage is a serious threat to any home, but with prompt action and the right home insurance coverage, you can minimize its impact. At Ovation Home Insurance Exchange, we’re dedicated to helping Florida homeowners protect their investments against the unexpected. Should you require emergency water extraction or mitigation services, Ovation Home Insurance Exchange has vetted preferred vendors standing by and ready to assist.
If you're not already a member, get a quote today and discover how we can help safeguard your home against life's many uncertainties, including water damage.