If you’re facing difficulty with a water damage insurance claim, it may be wise to seek the counsel of a water damage insurance lawyer in Fort Lauderdale, Florida. Leader, Leader & Zucker, PLLC Attorneys at Law understand the tactics that adjusters may use to try to avoid paying claims. Our firm can help you fight for your rights and bring forth the evidence needed to get your claim accepted if your claim is covered under your policy.
What to Do if a Water Damage Insurance Claim is Denied in Fort Lauderdale, Florida
A water damage insurance claim can be denied for a number of reasons. Water damage can occur due to a number of sources, from leaky pipes, to floods, to rainfall. While all of these claims might seem like they are the same, it is important to know whether your claim is due to “water damage” or due to “flood damage.” Insurance companies make a distinction between these two claims. Water damage is often covered under homeowner’s insurance and can protect you if you experience damage due to a broken pipe, leaky roof, or broken window. However, if your house was damaged due to flooding, due to runoff, or erosion, you may need to have flood insurance in order to be covered.
Water damage insurance claims can be denied when the adjuster claims that the water damage was due to long-term damage. You, as a homeowner, have a responsibility to maintain your home so as to protect it from the elements. This means maintaining roofs, windows, and plumbing. If the adjuster determines that your water damage was due to long-term damage resulting from your failure to address a problem, your claim could be denied. The key is offering proof that the damage in question was not due to a long-term problem or demonstrating the insurance company cannot prove it was. Each claim will vary depending on the nature of your policy. In the event of a damage due to a water leak, the insurance policy may only cover a few weeks worth of damage. In some cases, photos of the damage in question will be enough to prove that the water damage isn’t long term. In other cases, water bills could show that the leak wasn’t long term.
Providing ample evidence for a water damage claim requires knowledge of your policy as well as an understanding of the limitations of the policy. A water damage insurance lawyer can assist you in gathering evidence and in working with your adjuster to help you get the best outcome for your case. Contact Leader, Leader & Zucker, PLLC Attorneys at Law today to learn more about how to protect your rights.
Contact a Water Damage Insurance Claim Lawyer Today
With the cost of insurance going up in Florida, when your home is damaged, you count on your insurance company to come through for you. Unfortunately, not all insurance companies follow through on their obligations, or they try to use technicalities, loopholes, and statics to offer clients a lower settlement than they may deserve. If you believe that your water damage claim is being unfairly denied or if you believe you may be entitled to more money, contact a water damage insurance claim lawyer in Fort Lauderdale, Florida today. Leader, Leader & Zucker, PLLC Attorneys at Law work closely with individuals facing issues with their insurance companies to help them get the best possible outcome under the law.