Water Damage Claims
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Water Damage Claims
How FLG Law 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.
- 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 fire insurance claim
- 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!
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Get Exceptional Help on Your Claims Today!
Let our Property Claim Attorneys assist you with Florida’s most common types of insurance claims.
Homeowner Claims
Commercial & Business Claims
Roof Damage Claims
Hurricane Damage Claims
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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.
Call FLG for Sound Advice and Effective Representation in Florida Insurance Disputes