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Stand Up Against Florida Insurance Companies for Property Insurance Reform 25/10

THE SOLUTION: Demand the 25/10 Mandate

Florida homeowners face a massive hidden risk. The leading cause of property claims is not hurricanes—it’s everyday water damage from broken pipes, appliance leaks, and plumbing failures. Yet, policies often exclude this coverage entirely or limit it to as little as $3,000.

Learn About the 25/10 Mandate

THE DANGER: What Happens When You’re Exposed?

Across Florida, families are facing devastating water and mold damage — only to find out their insurance won’t cover it. Many homeowners are left with repair bills that destroy their savings and endanger their health.

Financial Disaster for Families:

Many Florida residents are being offered cheap policies that either exclude water damage entirely or limit it to as little as $3,000. Common events like a broken pipe or a leaking dishwasher can lead to devastating financial consequences, leaving underinsured homeowners to cover costly, necessary repairs out of pocket.

Health and Safety Risks

Unrepaired water and mold damage severely diminishes property values and creates unsafe living conditions. Many families are currently being forced to remain in homes that are uninhabitable simply because their insurance policies did not provide the sufficient coverage needed for remediation and repairs.

Our Mission: Protect Every Florida Home

Florida property owners are underinsured against the #1 cause of claims: Everyday Water Damage.

$25,000

Minimum Water Damage Coverage

Needed for burst pipes, appliance leaks, and common dwelling water events.

$10,000

Minimum Mold Coverage

Essential to address secondary damage, preserving property value and family health.

Why It Matters

Families are being forced to live in unsafe homes due to inadequate coverage.
Property values are declining as unrepaired damage spreads.
Florida deserves fair, transparent insurance policies that protect—not exploit—its residents.

Quick Facts

Water damage is the #1 property insurance claim in Florida
Many policies limit water damage coverage to as little as $3,000
The 25/10 Reform would ensure minimum $35,000 total protection
Florida families deserve safe, livable homes — not empty promises

About Under Water Under Insured.org

We are a coalition of Florida homeowners, contractors, and community advocates fighting for fair insurance reform. Our mission is to ensure every Floridian has access to reliable coverage that protects their home, their family, and their future.

Florida consumers deserve fair protection, not exclusions disguised as low prices. Join our cause and tell Tallahassee: Protect our homes and our health.