- Anthony Lopez

   Your Insurance Attorney

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When your home or office suffers water damage, you want it fixed ASAP. You’re grateful that you have insurance because it should cover the cost of repairs. However, the claims process may not go the way you expect.

It’s possible that you won’t receive as large of a settlement as you thought you would. It’s even possible that your claim could be denied.

If your property suffers harm from rain, flooding, or plumbing leaks, your first call should be to Your Insurance Attorney, not your insurance company.

Why?

• We are entirely on your side
• We can interpret the terms of your insurance policy accurately
• We are skilled negotiators
• We can threaten to sue and follow through on that threat

WATER DAMAGE CLAIMS IN FLORIDA

Because of Florida’s tendency toward hurricanes and heavy rains, water damage is a common insurance claim throughout the state. To protect against this, most people get a policy that covers water damage from things like an overflowing bathtub or a burst pipe, in addition to flood insurance.

However, what happens when a claim is made? You will have to speak with a claims department or an insurance adjuster who works for the insurance company.

You may feel like you’re not getting the same one-on-one service you got when you purchased your policy. Even worse, your insurer may try to deny your claim or offer you far less money than you thought.

WHY DO INSURERS DENY CLAIMS FOR WATER DAMAGE?

Insurance companies have all sorts of reasons for denying a claim where water damage is concerned. Here are a few of them:

• Preventable maintenance issue
• A failure to mitigate the damages
• A long-standing water leak
• A leak that went unrepaired
• Construction defects
• Failure to maintain or drain a sprinkler system
• Lack of coverage from the National Flood Insurance Program (NFIP) when a flood insurance claim is made

Sometimes, the denial of a water damage claim is legitimate and appropriate. However, it is common for an independent water damage claims lawyer to discover that the insurance company isn’t correctly interpreting the policy’s language.

It’s also a possibility that the insurance company’s adjuster is unfairly assessing the damage or making an error that’s causing your claim to be denied when it should be paid.

WORKING WITH A LAWYER MAKES A DIFFERENCE

Most insurance companies have a vested interest in paying you less so that they save money.

When you work with a lawyer who focuses on water damage claims, you can rest assured that all of your problems will be thoroughly investigated. We also work with experts that use sophisticated technology to determine the full extent of the damage.

Once this is done, we have the facts and evidence to enhance your insurance claim. Our sole aim is to ensure that you are fully and fairly compensated for any water damage to your property that is covered by your insurance policy.

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