When torrential rain struck Plant City on July 14, 2025, it left more than just flooded streets; it left homeowners struggling with unexpected flood damage and difficult insurance questions.
With nearly a foot of rain falling in just a few hours, neighborhoods in Plant City were severely impacted by flash flooding, water intrusion, and property damage.
If your home was affected, now is the time to take action. At Gelber Law Group, we help Florida homeowners file strong claims and fight unfair denials or underpayments from insurance companies.
What happened in Plant City, FL?
An intense storm system parked itself over Plant City, dumping between 5 and 10 inches of rain in under four hours. Lawns disappeared under water, roads turned into lakes, and in some cases, water rose to chest height. Some residents described the storm as one of the worst in memory, even more severe than Hurricane Milton.
Although Plant City’s stormwater system held up better than expected, many homes still suffered damage that may not be covered under traditional homeowners’ insurance policies.
Types of damage to document after a flood
Even if your home appears intact after the water recedes, hidden damage can develop over time. Here’s what to look for:
- Interior Water Damage: Warping, buckling floors, soaked carpets, and wet drywall.
- Electrical Problems: Water near outlets or inside walls can pose fire risks.
- Foundation or Structural Damage: Shifting or cracking from prolonged water exposure.
- Mold or Mildew: Can begin forming in as little as 24-48 hours.
- Damage to Personal Property: Furniture, electronics, and valuables impacted by water.
Take photos and videos of every damaged area, both inside and outside your home. This will be critical in supporting your insurance claim.
Will insurance cover my flood damage?
Here’s where things get complicated. Most standard homeowners’ insurance policies do not cover flood damage. Flood damage coverage typically requires a separate flood insurance policy.
- Flood damage—meaning rising water that enters your home from outside is typically not covered by standard homeowners insurance. It requires a separate flood insurance policy through FEMA or a private provider.
Why Work with Gelber Law Group?
- Policy Review: We’ll read the fine print for you and explain your actual rights under your policy.
- Claim Advocacy: If your claim was denied or underpaid, we’ll challenge it with evidence and legal action if necessary.
- No Upfront Fees: We don’t get paid unless you do.
Flood Damage Frequently Asked Questions (FAQs)
1. Is rain damage the same as flood damage?
No. Rain damage may come from roof leaks or poor drainage and could be covered by homeowners’ insurance. Flood damage (rising water from outside) usually requires separate flood coverage.
2. Can I still file a claim without flood insurance?
Yes. If the water entered your home through your roof, walls, or another way not classified as flooding, you may still have coverage.
3. What if my insurance company says the damage is pre-existing?
This is a common tactic used to deny claims. Gelber Law Group can review your denial and help dispute that classification with proper documentation and professional reports.
4. What kind of documentation do I need?
Photos, videos, contractor estimates, and receipts for emergency repairs are helpful. A written account of what happened is also useful.
Don’t let the insurance company undervalue your loss
If your home was affected by the Plant City flooding, contact Gelber Law Group immediately. We can help determine what’s covered, fight for full compensation, and make sure you aren’t taken advantage of during this stressful time.