Water damage restoration in Florida
- 1,023 ZIP codes covered in Florida
- 3 city guides
- Free referral, no obligation
What causes water damage in Florida
Hurricanes and storm surge
Both coasts and the Keys face surge and wind-driven rain from June through November. Ian in 2022 and Helene and Milton in 2024 flooded homes far from the beach.
Humidity and fast mold growth
With outdoor air this wet, a house without air conditioning after a storm or leak can grow mold in two to three days.
Aging plumbing in slab homes
Copper under slabs develops pinhole leaks, and cast iron drain lines in homes from the 1950s through the 1970s are failing across the state.
Homes and how they are built
Most Florida homes are concrete block on a slab, with no basement and the air handler in a garage, closet or attic. Tile and vinyl flooring hide water in the slab below. Condominiums are common on the coasts, where a leak in one unit quickly becomes a problem for the units beneath and for the association.
When it happens
Hurricane season is June 1 to November 30, peaking August through October. Afternoon thunderstorms run all summer. Air conditioners run nearly year-round, so condensate leaks are a constant.
Rules and insurance in Florida
Florida licenses mold assessors and mold remediators through the Department of Business and Professional Regulation; a license is required for mold work above 10 square feet, and the company that assesses generally can't remediate the same job. Contractors are licensed by the same department. Most policies carry a separate hurricane deductible.
In every state, homeowners insurance excludes rising floodwater, which needs a separate flood policy. See what homeowners insurance covers.
Where we can connect you in Florida
As of October 5, 2026, independent restoration companies in our network cover 1,023 ZIP codes in 356 cities and towns in Florida. Coverage changes often, so check your ZIP code.
City guides in Florida
Miami
Brickell, Little Havana, Coconut Grove
64 ZIP codes →Orlando
College Park, Lake Nona, Thornton Park
46 ZIP codes →Tampa
South Tampa, Seminole Heights, Davis Islands
46 ZIP codes →Covered places include: Miami, Tampa, Orlando, Fort Lauderdale, Pensacola, Saint Petersburg, Naples, West Palm Beach, Sarasota, Hollywood, Clearwater, Pompano Beach, Boca Raton, Fort Myers, Lakeland, Bradenton, Daytona Beach, Fort Pierce, Vero Beach, Cape Coral, Palm Bay, Kissimmee, Panama City, Melbourne, Hialeah, Lehigh Acres, Homestead, Miami Beach, Boynton Beach, Delray Beach, Port Saint Lucie, Winter Haven, Spring Hill, North Port, Largo, Port Charlotte.
Services most relevant in Florida
Hurricane water damage
Storm surge, wind-driven rain and roof loss after tropical storms.
Learn more →
Mold remediation after water damage
Mold that grows when wet materials don't dry in time.
Learn more →
AC leak water damage
Clogged condensate lines and overflowing drain pans.
Learn more →
Slab leak water damage
Leaks in pipes under the foundation.
Learn more →See all water damage services or what to do in an emergency.
Florida at a glance
- Region
- South
- Main causes
- Hurricanes and storm surge; Humidity and fast mold growth; Aging plumbing in slab homes
- ZIP codes we cover
- 1,023
- Cities and towns covered
- 356
- Coverage data as of
- October 5, 2026
Questions from Florida homeowners
How fast does mold grow after water damage in Florida?
Faster than almost anywhere. In summer heat with the power out, growth can start in 24 to 48 hours, so soaked materials should come out quickly.
Do I need a licensed mold company in Florida?
For more than 10 square feet of mold, yes. Florida requires a state-licensed mold remediator, and assessment is done by a separately licensed mold assessor.
What is a hurricane deductible?
It is a percentage deductible, commonly 2 to 5 percent of your dwelling coverage, that applies to hurricane losses instead of your flat deductible. In Florida it applies once per calendar year.
Neighboring states
Water damage in Florida?
Call and we'll connect you with an independent restoration company that serves your ZIP code. Free, no obligation.