Florida Water Damage Lawyers
Water damage can be a nightmare, making your home a source of worry and financial burden. In Florida, where hurricanes, heavy rains, and burst pipes are frequent, homeowners often deal with the aftermath of water damage. This, coupled with the hassle of dealing with insurance companies, can quickly become a complicated and overwhelming experience. This is where our skilled water damage lawyers at Arias & Abbas Your Attorneys, can step in and help you get the compensation you deserve.
Understanding Water Damage Claims
Water damage is a broad term that describes the damage caused by water coming into your home from a source other than the ground. Water damage can happen for various reasons, such as burst pipes, leaky appliances, heavy rainfall, or flooding. It can cause significant damage to your home’s structure, furniture, and personal belongings.
A water damage claim is a request you file with your insurance company to ask for money to cover your financial losses due to water damage to your property.
What’s Covered in a Florida Water Damage Insurance Claim?
Before you file a water damage claim, knowing what your Florida homeowners insurance policy covers is important. Although policies can vary, standard coverage includes:
- Plumbing issues—this covers unexpected pipe bursts or water heater breaks that cause water to leak and damage your property;
- Appliance leaks—damage from leaks caused by appliances like dishwashers, refrigerators, or washing machines is often covered under homeowners insurance;
- Mold removal—some policies cover the cost of removing mold resulting from water damage, but coverage limits may exist;
- Water damage from extinguishing a fire—if a fire in your home results in water damage, your insurance may cover the cost of repairs;
- Rainstorms or hail—covers damage from heavy rain or hail if a hailstorm breaks your windows and rain gets inside; and
- Snow or ice—if an ice dam forms on your roof, causing it to cave in and damage your house, home insurance may pay for repairs.
If you have questions about filing a water damage claim, contact your insurance agent or a Florida insurance lawyer.
Common Water Damage Insurance Policy Exclusions in Florida
There are a few instances of typical water damage that are not covered under standard water damage coverage. They include:
- Natural disasters—damage caused by natural disasters, like hurricanes or tornadoes, is typically not covered;
- Flood damage—damage caused by floods is not usually covered;
- Seepage or leakage—most policies do not cover damage caused by seepage or leakage and
- Sewer or drainage backup—most insurance policies exclude damages caused by water seeping through the ground or foundation.
Your insurer may also choose to deny your claim if it believes your water damage resulted from you failing to maintain your property properly.
If you’re concerned about any of these types of damages, it’s important to check with your insurance company to see if they’re covered under your policy.
Seek Legal Assistance from a Water Damage Lawyer
If your insurance company refuses to pay your water damage claim or offers you less than you deserve, a water damage lawyer can help you get what you’re owed. A Florida insurance attorney can also help if your insurance company is giving you a hard time or your repairs are complicated or expensive.
Here are some specific situations where you might need a water damage attorney:
- If your claim is denied or underpaid, a lawyer can explain your rights and help you fight for fair compensation;
- If your insurance company is unresponsive or difficult to deal with, a lawyer can step in and handle the negotiations on your behalf; and
- If the damage is extensive or involves complex repairs, a lawyer can help you ensure that the repairs are done correctly and that you get the full amount of money you deserve.
If you’re unsure whether you need a lawyer, it’s always a good idea to talk to one for a free consultation. They can help you decide if hiring a lawyer is best for you.
How Arias & Abbas Your Attorneys Can Help You with Your Water Damage Claim
If you’re dealing with water damage and have questions about your insurance claim, don’t hesitate to contact our experienced water damage lawyers. We understand the unique challenges that Florida homeowners face when dealing with water damage claims. Our committed legal team will work tirelessly to:
- Use our knowledge and experience of complex insurance claims and Florida insurance law to ensure you receive fair compensation;
- Negotiate efficiently with insurance companies on your behalf, maximizing your chances of a favorable settlement; and
- Represent you in court if your claim is denied or negotiations fail.
Arias & Abbas Your Attorneys is an experienced water damage insurance claims firm with a proven track record of success helping policyholders recover the full compensation they deserve. We offer a free consultation to assess your situation and provide personalized guidance. Contact us today.
