
QUICK ANSWER
If your Madeira Beach home has water damage, stop the source if it is safe, photograph the damage, call your insurer and arrange professional drying quickly. Madeira Beach’s ZIP 33708 is listed for Water Damage in the partner network directory. Call (708) 918-8938 to confirm availability for your address.
Madeira Beach at a glance
Madeira Beach is a small barrier-island city between Treasure Island and the Redington beaches, home to John’s Pass. Most of the island is low, and its mix of older ground-level homes, canal-front houses and condo buildings took heavy surge damage from Hurricanes Helene and Milton in 2024.
On the island, the source of the water decides almost everything: who pays, which permits apply, and how the building has to be repaired.
What causes water damage in Madeira Beach
- Storm surge and salt water. Surge brings salt water and debris. It is a flood loss, usually covered by a separate flood policy, and salt residue can keep drywall and framing damp.
- Condo unit-to-unit leaks. A leak from the unit above, a shared riser or the roof can reach several units. The association and its master policy may need to be involved before work starts.
- Ground-level and older homes. Older homes built before current flood rules sit lower and are more likely to flood. Ask how the provider will check walls and floors for hidden moisture.
- Salt-air corrosion. Salt air corrodes AC equipment, water heater fittings and exterior plumbing faster than inland, which can lead to leaks.
- Roof and window leaks. Wind-driven rain off the Gulf finds gaps in roofs, sliders and windows during summer storms.
Listed Madeira Beach ZIP for water damage
Checked November 2, 2026 against the partner network’s Water Damage directory (list dated October 22, 2026). Confirm the exact property, job type and appointment with the receiving provider.
Madeira Beach
33708
What to do first
- Shut off the water at the main or the fixture, if it is safe to do so.
- Keep away from wet outlets, cords and the electrical panel.
- Photograph the source, the standing water and damaged belongings.
- Report the loss to your insurer and note the claim number.
- Ask the provider how they will measure moisture inside walls and floors.

Permits and rebuilding in Madeira Beach
The City of Madeira Beach enforces the FEMA substantial improvement and substantial damage rule (the 50% rule) for homes in flood zones. Check with the city building department before major rebuilding, and keep repair estimates and receipts.
Florida contractors doing the rebuild should hold the right license. Verify it with the Florida DBPR license lookup before signing.
Questions to ask on your call
- Do you serve my exact Madeira Beach ZIP and property type?
- What does the first visit include, and is there a fee?
- Which work is emergency service and which is repair?
- How will you document the work for my insurer?
- What applicable license covers the rebuild? Verify it with the Florida DBPR license lookup.
Related help
All Pinellas County listingsMold after water damageWater damage cost factors
Nearby Pinellas County pages
SeminoleIndian Rocks BeachGulfportSt. PetersburgLargo
Frequently asked questions
Is water damage restoration available in Madeira Beach, FL?
A leak from the condo above damaged my unit. Who pays?
Is storm surge damage covered by homeowners insurance?
What is the 50% rule in Madeira Beach?
Are you a Madeira Beach restoration company?
This website does not claim a local office in Madeira Beach. General information, not a property assessment.