- 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