Water Damage Claim Insurance Lawyer in Fort Lauderdale, Florida
In Florida, our homes are at risk of water damage and flood damage due to the prevalence of tropical storms, hurricanes, and rising waters. Yet, homeowner’s insurance may not always cover all kinds of water damage unless you purchase a separate policy. Even when individuals purchase flood and water damage policies, insurance adjusters sometimes try to find ways to deny coverage. If your home was damaged due to flood or water damage, and you purchased flood and water damage, and are still facing difficulties with a claim, a water damage insurance lawyer in Fort Lauderdale, Florida may be able to help you. Leader & Leader, P.A.: Attorneys at Law offer individuals and families the compassionate and caring counsel they need when disaster strikes.
Flood and Water Damage in Florida: Are You Covered?
If your home has been damaged due to rising waters or due to rainfall, the first thing you’ll need to do is understand your homeowner’s insurance policy. Not all insurance policies cover all types of water damage and many individuals are shocked to learn that their policy doesn’t cover the specific kind of water damage they are facing. First of all, we should distinguish between flood damage insurance and water damage insurance. While these may seem like the same thing, they are, in fact, two separate policies. Whether you are covered will largely depend on the wording of your policy. Because the wording can get technical, if you are being denied coverage you believe you deserve, it may be a good idea to speak to a water damage insurance lawyer in Fort Lauderdale, Florida who can review your policy and let you know what your rights and options are going forward.
In many instances, in order to be covered for floods, you’ll need to buy a separate flood insurance policy. It is important to read your policy. While flood damage will protect you against water damage due to flooding, it won’t always protect you from mildew damage or mold, if the adjuster determines that the damage could have been prevented. Water damage is different from flood damage. While most policies cover water damage, not all do. Water damage coverage will protect you in the event that severe rain leads to leaks, a pipe bursts, or a window breaks and water gets into your home. Water damage claims can be difficult because the adjuster may claim that the damage is your fault. For instance, if water got in through a leaky roof, it will be important to show that the roof could not have been repaired sooner.
Water damage claims that arise from a covered loss unrelated to flooding, wind or storms, are really no different than any other homeowner’s insurance claim and are one of the most common claims we see. However, when there is a major storm or hurricane with flooding, things get very complicated. First, the coverage for windstorm and flooding are often separate policies with different companies. Second, the flood policy may have requirements and deadlines to submit necessary items that is different than your other policy. A failure to timely comply with certain requirements can prevent you from getting coverage. Next, in some cases, one insurance company will blame the flooding and say the flood policy has to cover while the flood insurance may take the opposite position. In many instances, they may both have to provide coverage for different aspects of your claim.
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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, P.A.: 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, P.A.: 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, P.A.: Attorneys at Law work closely with individuals facing issues with their insurance companies to help them get the best possible outcome under the law.
CALL 24 HOURS: 954-523-2020