Flood/Water Damage Claims

Top rated law firm helps Florida homeowners recover damages from flood and water

Water damage to a home is not uncommon, from basements that flood in heavy rain, rising waters from a hurricane’s storm surge, and water that enters the home through windows or doors due to heavy winds. While water damage is often immediate, the response to insurance claims is typically not. The skilled Florida disaster recovery attorneys at Ged Lawyers, LLP help Florida homeowners recover maximum compensation from insurance companies for property damage due to flood and water. Our reputation speaks for itself – we have collected millions of dollars in unpaid insurance claims for Florida homeowners and we can help you too.

What types of water damage are covered under insurance?

Every insurance policy is different, with variations in deductible amounts, what is covered, and other conditions. Water can cause property damage in a number of ways, including – but not limited to – the following:

  • Storm surge due to a hurricane or other storm
  • Sewer backup
  • Water backup
  • Flooding
  • Sudden or accidental discharge

For the most part, the determination regarding what is covered under your insurance policy depends upon the source of the water damage, the type of policy, and whether or not the water damage was accidental and sudden, or gradually occurring over time. In most cases, gradual water damage to the property is not covered under an insurance policy.

Before filing your flood/water damage claim

Although you likely want to submit your flood/water damage claim to your insurance company right away so that you receive your compensation as soon as possible, don’t be hasty in filling out the paperwork. What is submitted in your insurance claim is very important and it is worth taking the time necessary to assure that your claim application is as complete as possible. For starters, review your insurance policy to make sure you understand all the coverages you are entitled to, as well as deductibles, exclusions, and any responsibilities that you have as a homeowner. Collect any records of home repair and regular maintenance and organize these documents.

If your flood/water damage claim is denied, it’s not over

It is not uncommon for a flood/water damage claim to be denied by the insurance company. But that decision is not written in stone. Ask the insurance company for a written explanation as to why the claim was denied. Verify the details of your insurance policy, reviewing the wording carefully for anything you may have missed. Insurance policies are essentially legal contracts and are open to interpretation by the courts. So if your insurance company has denied your flood/water damage claim, a court may reverse that decision.

We fight insurance companies when they say “no” and recover the flood and water damage compensation you need to rebuild

When you are filing an insurance claim for flood and water damages, it is important to do it right. Our experienced disaster recover attorneys have in-depth knowledge of the insurance claims process and are skilled at recovering the compensation homeowners deserve for damage to their property. Contact Ged Lawyers, LLP today at 844-443-3529 or online to schedule an appointment to discuss your flood and water property damage claim.