Water Damage Claims

Water damage can be categorized as either “gradual damage” or caused by a “sudden incident.” Some of these water claims are covered in a homeowners or business insurance policy, while others are not. This depends on the specific policy language covering your Florida home or business.

The attorneys at The Insurance Litigation Group are experienced with Water Damage Claims and we understand the insurance claims system. We know exactly what to look for and how to help you get the best result from your insurance claim.

• We will be with you from the very start, explaining the terms of your policy and walking you through the claims process
• We will conduct a home or business premises inspection, including taking photos of the damage
• We will help you properly document and present your water damage insurance claim
• We will bring in experienced water clean-up and mold remediation professionals to handle the initial clean-up, as well as contractors who can assess the damage and help determine what it will take to bring your property back to its original condition.
• We will assist you in getting temporary living expenses reimbursed by the insurance company
• We will file your claim and/or proof of loss statement
• We will represent you at any examination under oath and recorded statement
• We will aggressively negotiate and advocate settlements on your behalf
• We will institute litigation and pursue it aggressively through trial, if necessary to obtain the benefits you are entitled to
• We will meet and exceed your goals and objectives
• And much more!

The Insurance Litigation Group is here to help! We offer all of our clients:

• Free claim review
• Free consultation

And at ILG we do not get paid until you get paid!

Types of Water Damage Covered and Not Covered

• Water damage from a Flood. These claims are only covered by Flood Insurance. Floods are caused by water entering a home or building from the ground, because of excessive rain, a flooding pond, creek, river, bay, ocean, estuary, etc.
• Sewer or water backup
• Water damage caused by seepage through the foundation and/or walls
• Mold caused by gradual leaks or seepage
• Electrical wiring in poor condition
• Roofs with poor maintenance or at the end of their useful life

Gradual water damage is not usually covered in most home insurance policies, so even though your policy could cover water damage, if the reason for the damage is not accidental or sudden, it might not be covered. Without proper maintenance, homes deteriorate, causing all kinds of problems for owners. Things can go wrong in places like walls, windows, attics, porches, doorways and crawl spaces, and you may not discover the rot, mold or other types of deterioration, for some time.

WHEN DO INSURANCE COMPANIES COVER GRADUAL DAMAGE?

A trained professional can help you figure this out. It is often based on the language in the insurance contract or policy. Our experienced claims consultants and insurance attorneys can help you review the policy exclusions and types of coverage you are entitled to.

WHY WAS MY FLORIDA WATER DAMAGE CLAIM DENIED? WHAT CAN BE DONE TO HAVE THE DECISION CHANGED?

If the insurance company denies your claim(s), make sure to ask for a full, detailed explanation, and get it in writing. It is the insurance company’s obligation to show you exactly what part of the contract or policy excluded coverage.

The insurance company has many professionals representing their interests during a claim. With insurance being as technical and complex as it is, you should do the same. Call on the expertise and experience of a licensed Florida insurance attorney at ILG. They are equipped to deal with the insurance company’s agents, adjusters, contractors, legal departments, and other personnel.

Do not let your insurance company give you the run-around when your Florida home or business has experienced water damage. They may try to make the insurance claim more complicated than it is and deny, delay or underpay your claim. Our practice is statewide, and we have offices in Miami, Fort Pierce, Pensacola, Orlando, and Miramar Beach, Florida.

Call ILG for Sound Advice and Effective Representation in Florida Insurance Disputes