Flood damage can have a devastating impact on your home and your family. If you purchased insurance coverage, you might be relying on the insurance company to cover the costs of necessary repairs.
Unfortunately, far too many policyholders are surprised to find that their Insurance provider denies their claim. If you need help making the insurance company pay, contact a Boca Raton flood damage lawyer at GED Lawyers. You can schedule a free consultation today to start working on your case.
Types of Flood Damage Claims in Boca Raton
Flood damage can be some of the most expensive property damage you could be dealing with in Boca Raton. Some of the more common types of flood damage claims include those involving:
- Commercial properties
- Residential homes
- Motor vehicles
- Multi-residential properties
- Rental properties
- Boats and yachts
- Resorts or hotels
Flood damage can be more than just flood waters on your property. The flood waters can cause severe damage, and mold can develop in the aftermath of the flood. In addition, there could be significant damage to your appliances, electronics, furniture, and even your personal property.
In many flood cases, homes will require significant renovations to replace worn-out flooring, moldy walls, and other repairs and replacements. If you are a property owner, you are counting on the insurance company to cover these costs. However, you might be shocked to discover the insurance company fights back when you file your claim.
For a free legal consultation with a flood damage lawyer serving Boca Raton, call (561) 995-1966
Water Damages Covered by Insurance
You might be surprised to learn that specific insurance policies only cover certain types of water damage. Water damage can occur in a multitude of ways, but some of the more common types of water damage that would warrant a flood damage claim include:
- Storm surges
- Water backups
- Sewer backups
- Accidental or sudden water discharge
Generally, your flood damage attorney will need to investigate the source of the water damage and the type of insurance coverage you purchased to determine whether the insurance company is obligated to cover your expenses. It is important to note that your insurance will not cover any water damage that occurs gradually.
Boca Raton Flood Damage Lawyer Near Me (561) 995-1966
Common Issues with Insurance Claims
Homeowners and renters alike rely on their insurance companies to show up for them when they are in need. Especially when you have purchased your insurance policy and dutifully paid your premiums, getting an insurance denial can feel like a slap in the face.
However, insurance denials are far more common than you might think. Some of the more common reasons insurance companies go for flood damage insurance denials include:
- Wrongfully asserting that the flood damage was caused by wind or rain as opposed to flooding
- Wrongfully asserting that the flood damage was caused by gradual water damage
- The insurance company failed to investigate your claim in a timely manner
- The insurance company is delaying the processing of your claim
- The insurance company refuses to pay out on your claim despite being given the evidence needed to process it for compensation.
- The insurance company misrepresenting the facts of the case, or the types or amounts of coverage you purchased
Bad faith insurance denials are far more common than you might think. It is also important to remember that insurance companies may be dealing with an influx of claims in emergency weather situations. When this happens, they may be delaying your claim unintentionally.
However, they still have an obligation to get you the money you deserve. If the insurance company continues to withhold the compensation you are entitled to, your attorney may be left with no choice but to bring a lawsuit against them. If this happens, you can expect the insurance company to be more willing to settle your claim fairly, as it will likely cost them more if you take them to court.
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What Happens When My Flood Damage Claim is Denied?
If your claim for flood damage has been denied, your attorney may be able to get the insurance company to reverse their denial by providing them with additional information to support your case. This might include photos of the flood or water damage, photos of the damaged property, a copy of your insurance policy, and other documentation of your rights for compensation and benefits.
Your flood damage attorney may also need to review your application to determine whether any mistakes were made or if you missed important information the insurance company needs. If the insurance company is unwilling to approve your claim after providing them with this evidence, your attorney will analyze the circumstances of your case to determine whether bringing a lawsuit against them is appropriate.
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How to Deal with Your Flood Damage Insurance Claim
Dealing with the insurance company is not an easy process. You should be able to trust that the insurance company will compensate you fairly after you have purchased your policy coverage. However, it is rarely this easy. Many complications could arise in the filing of your claim.
You can make this process easier by getting an attorney to advocate for your rights. If you want to avoid being taken advantage of during your greatest time of need, having your attorney step in and negotiate could be in your best interests.
How a Lawyer Can Help with Your Flood Damage Case
If you are still unsure whether contacting a lawyer for help is right for you, consider the benefits of getting a flood damage attorney on your side.
Your attorney can help you document the damages, fill out your insurance claim, prepare for inspection, and negotiate with the insurance company. So when you are still trying to rebuild your life following flooding, let us step in and handle the legal details of your flood damage case.
Contact Our Flood Damage Attorney in Boca Raton for a Free Case Review
You do not need to let the insurance company force you to settle for less than you deserve. Instead, get the most out of your claim when you meet with a Boca Raton flood damage lawyer at GED Lawyers.
Our firm proudly offers no-cost, risk-free consultations to flood damage victims across Boca Raton and surrounding cities. Take advantage of this opportunity when you call our office or complete our convenient contact form.
Call or text (561) 995-1966 or complete a Free Case Evaluation form