Florida average water bill: $70–$120/month. If you're over $175 with normal usage, something's wrong.
FL Seasonal Factors
- May–Oct (Wet Season): Irrigation should auto-reduce. Check that rain sensors work — a stuck valve adds $40–$80/mo.
- Nov–Apr (Dry Season): Pool evaporation peaks at ½" per day (~130 gal/mo). Auto-fills can mask slow leaks.
- AC Condensate: FL central AC drains 15–25 gallons/day. Usually recycled — verify your system type.
FL Utility Billing Dispute Process
- Request a Meter Re-Read — call your utility; most FL utilities do this free once per year (3–5 business days).
- Submit a Leak Adjustment Form — if a plumber confirms a leak, most FL utilities credit 50–100% of overage; requires a licensed plumber's letter on company letterhead.
- File with FL PSC — if your utility denies a valid claim, file at floridapsc.com/complaints. FL investor-owned utilities are regulated; municipal utilities have a local appeals board.
Midnight Meter Test
- Note your meter reading (take a photo) at midnight or any quiet 2-hour window.
- Do NOT use any water — no toilets, ice maker, irrigation, dishwasher.
- Check the meter again after 2 hours. Any movement = active leak somewhere in your system.
FL Insurance Coverage
Know before you file: FL homeowners insurance typically DOES cover sudden slab leaks but does NOT cover slow/gradual leaks. The distinction is critical. Document everything with photos and timestamps the day you discover it. File within 14 days.
FL AOB Reform (FS 627.7152, 2023): Assignment of Benefits contracts in water damage cases are restricted. Deal directly with your insurer; be cautious of restoration companies asking you to sign AOB documents before your adjuster visits.