Water Damage Restoration
Florida
IICRC-certified water damage pros across all of Florida — serving 30 cities and 5 counties.
30
Cities Covered
5
Counties
$13,954
Avg US Claim
Yes ✓
NFIP Participant
- IICRC Standards
- Answered 24/7
- Ask for the License
- Independent Pros
- No Obligation
Quick answer
Water damage restoration in Florida typically runs $1,725–$10,000 for a residential job, against a national average homeowners claim of $13,954. The most common cause here is hurricane storm surge. Insurance splits the same way everywhere: a sudden burst or appliance failure is covered, water that rose from outside is not, and the difference is decided on what you photograph before anything is moved. Whatever the source, the clock is the same everywhere: mold starts on wet drywall, framing and carpet pad within 24–48 hours, so extraction and measured drying on day one is what keeps a drying job from becoming a rebuild. To hear what a certified company would charge for your address in Florida, call (888) 840-6512, answered 24/7.
Press 1 for water damage or 2 for mold, then your 5-digit ZIP. The line goes quiet for about half a minute while it connects — that is normal, stay on. Have ready: the address with ZIP, when the water started, what is wet now, and whether you have opened an insurance claim.
Flood Risk Profile
Why Florida Has High Water Damage Risk
90%+ relative humidity year-round means mold colonization begins within 24 hours — significantly faster than most U.S. markets
- Hurricane storm surge
- Tidal flooding (sea level rise)
- Tropical rainfall accumulation
- High water table seepage
Notable Events
Major Florida Disaster Events
Hurricane Ian 2022 ($112B damage)
Hurricane Milton 2024 (Tampa Bay direct hit)
Fort Lauderdale 26-inch rainfall event April 2023
Insurance Info — Florida
Florida's Citizens Insurance is insurer of last resort; Assignment of Benefits (AOB) laws changed Jan 2023 — contractors can no longer file claims on behalf of homeowners without authorization. Florida leads U.S. in insurance fraud prosecutions.
Licensing: Florida Department of Business & Professional Regulation (DBPR); Florida Mold-Related Services license required for remediation
Service Areas
Cities We Serve in Florida
Click any city for local flood risk data, cost estimates, and IICRC-certified pros.
Jacksonville
Duval County
Miami
Miami-Dade County
Tampa
Hillsborough County
Orlando
Orange County
St. Petersburg
Pinellas County
Hialeah
Miami-Dade County
Port St. Lucie
St. Lucie County
Tallahassee
Leon County
Cape Coral
Lee County
Fort Lauderdale
Broward County
Pembroke Pines
Broward County
Hollywood
Broward County
Gainesville
Alachua County
Palm Bay
Brevard County
West Palm Beach
Palm Beach County
Clearwater
Pinellas County
Lakeland
Polk County
Boca Raton
Palm Beach County
Miami Beach
Miami-Dade County
Melbourne
Brevard County
Daytona Beach
Volusia County
Key West
Monroe County
Fort Myers
Lee County
Pensacola
Escambia County
Sarasota
Sarasota County
Kissimmee
Osceola County
Naples
Collier County
Bonita Springs
Lee County
Marco Island
Collier County
Estero
Lee County
Official FEMA Records
Florida Flood History — Miami-Dade County
35
Federal Disaster Declarations
Miami-Dade County since 1953
95,000
NFIP Claims Filed (All Time)
Flood insurance claims
$1.8B
Total NFIP Payouts
Paid to county homeowners
185,000
Active Flood Policies
NFIP policies in force
Recent FEMA Disaster Declarations — Miami-Dade County
2017
Hurricane Irma
Category 4 impacts — 1M+ evacuated, widespread flooding
2005
Hurricane Katrina + Wilma
Back-to-back hurricane seasons
1992
Hurricane Andrew
Category 5 — $65B damage, deadliest in FL history
Source: FEMA NFIP & Disaster Declarations (approximate, through 2024). View FEMA flood maps for your property's flood zone.
Local Pricing
Water Damage Costs in Florida
The average US homeowners water damage claim is $13,954 (Insurance Information Institute / ISO, homeowners losses by cause, 2018–2022). Final cost depends on water category, affected area, delay time, and structural damage.
Use our cost calculatorAvg insurance claim
$13,954
US average, III / ISO 2018–2022
Claim frequency
1.61 per 100
Insured homes a year, III / ISO
Minor damage (Cat 1)
$1,500–$4,000
Clean water, small area
Severe damage (Cat 3)
$8,000–$25,000+
Sewage or structural
Water Emergency in Florida?
The line is answered 24/7, and the company that takes the job gives you an arrival window for your address
Educational Resources
Guides for Florida Homeowners
Who to Call for Water Damage: The Right Order of Calls
Who to call for water damage in your house: stop the water, call a restoration company, open the claim the same day. The order for every situation.
Water Damage: What to Do in the First 60 Minutes
The decisions you make in the first 60 minutes after water damage determine how much you pay, how fast you recover, and whether your insurance claim succeeds. Here's the exact sequence of actions.
Water Damage Insurance Claim: The Complete Guide
Most water damage insurance claim denials happen because homeowners make one of seven preventable mistakes. This guide shows you exactly what to do — and what to avoid — from the moment water appears.
Water Damage Restoration Cost 2026: What You'll Actually Pay
The average water damage restoration costs $3,900 nationally — but ranges from $1,200 to $25,000+ depending on factors most homeowners don't know about before they call.
Florida Water Damage — Frequently Asked Questions
What are the biggest water damage risks in Florida?
The two that drive most Florida claims are hurricane storm surge and tidal flooding (sea level rise).
Both are seasonal rather than constant, so the useful move is to check the vulnerable points — supply lines, the water heater, the sump pump and the grade around the foundation — before the season that threatens them, not during it. The full risk profile and the state's notable events are further down this page.
How much does water damage restoration cost in Florida?
The national average homeowners water damage claim is $13,954 (Insurance Information Institute / ISO, homeowners losses by cause, 2018–2022). What a job in Florida costs depends on the water category and how long it sat.
Minor water damage (Category 1, small area) typically costs $1,500–$4,000. Severe damage involving sewage, flooding, or structural issues runs $8,000–$25,000+.
Does homeowners insurance cover water damage in Florida?
Standard homeowners insurance covers sudden and accidental water damage — a burst pipe, an appliance overflow, a roof that lets rain in — and does not cover flooding from outside water, which needs a separate NFIP or private flood policy.
Gradual leaks and deferred maintenance are excluded everywhere. Florida has its own rules on top of that, set out in the insurance note on this page, and the exclusions worth reading are the ones in your own declarations page before a loss rather than after.
How quickly can I get a water damage restoration team in Florida?
As fast as a crew is free — the line is answered 24/7 and the pro gives you a real arrival window for your address on the call. That window depends on where you are in Florida, what time it is, and how many jobs are already running, which is why nobody can promise you a number before they know your address.
Calling early still matters: mold begins growing within 24–48 hours of water exposure, and every hour of standing water widens the damage.
Who do I call right now for water damage?
Call (888) 840-6512. The line is answered 24 hours a day, seven days a week, and connects you with an IICRC-certified water damage restoration company that serves your area. Describe what you can see — where the water is coming from, how long it has been there, and whether it smells — the more specific you are, the faster the right company is on the line.
If the source is a pipe or an appliance, shut the main water valve first. Have four things ready and the call goes quickly: the address, when the water started, what is wet now, and whether you have filed an insurance claim.
Still not sure which of these is your situation? (888) 840-6512 · toll-free · answered 24/7
Reviewed by Marcus Reed, IICRC WRT · Last updated: 2026-06-19
HearthDry is an independent educational resource for Florida homeowners. Cost estimates reflect statewide averages. FEMA data is approximate — verify at fema.gov. Always confirm contractor licensing with Florida Department of Business & Professional Regulation (DBPR); Florida Mold-Related Services license required for remediation.