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Water Damage Claims

Water Damage Insurance Claims Can be Costly. Water damage is not uncommon in your Florida home or business, especially during the hurricane season when we experience heavy rain squalls. Water damage is costly to repair, can disturb your day-to-day activities, as well as pose a health risk to those exposed to its conditions. When water damage occurs, the safety and well-being of your family and loved ones can change very quickly. According to an ISO report, water damage home insurance claims are the second most frequent insurance claim, after hurricane, tropical storm and hail damage. Also reported is the fact that Florida water damage claims have been steadily increasing.

Insurance policies can be very technical and difficult to understand. That is why the Insurance Litigation Group (ILG) offers Florida home and business owners, who have experienced water damage, a no-charge insurance policy review. They can also help you 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.

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How ILG Can Help You

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

What Our Clients Say

Very Knowledgeable

“Super helpful and very knowledgeable. These guys are great!”

- F. Haber

Nothing but Professional

“I have known these folks for many years now and they are nothing but professional. My dealings have been with Marat Filler who is really passionate about his work and you can tell when you meet him. He’s very knowledgeable and easy to get in touch with. Anytime I’ve ever needed anything he was quick to deliver results. I highly recommend Insurance Litigation Group and especially Marat Filler.”

S. Steve

Attention to Details

“At Insurance litigation group they attend to every clients needs, With The best Service Possible, and Attention to details. And Friendly customer service on top of all.”

- C. Haberfeld

Extremely Helpful

“Staff was extremely helpful with my property claim. Marat Filler walked me through the process and walked me through every step. Highly recommended!”

- J. Rozenberg

Professional and Courteous

“Thank you to ILG for the professional and courteous handling of my claim. Special thank you to the ILG team member Asher for his customer service. I will use this company again.”

- M. Breier

Best law firm

“Best law firm to deal with Hurricane Michael  home insurance disputes. They understand how to maximize your insurance payout when dealing with insurance adjusters and claims departments. Highly recommend.”

I. Britton

Our Offices

We are a client-focused law firm that fights aggressively on behalf of residential and commercial policyholders, contractors, restoration and mitigation companies, to produce maximum recovery results from insurance companies through our unique expertise, deep understanding of insurance law, cutting edge technology and proactive approach to litigation.

Insurance Litigation Group serves clients across the state of Florida. With over 5 offices statewide, our attorneys have the knowledge, skills and experience to resolve your dispute against the insurance company. 

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