If you live in Fort Lauderdale, or any of the surrounding areas, then you know that heavy rains and harsh weather conditions are just a part of life. South Floridians constantly have to deal with tornadoes, severe thunderstorms, torrential downpours, and devastating hurricanes.
Any of these can cause serious damage to your home, your car, or any other personal property. And even though you pay good money for your insurance policy every month, getting the insurer to pay for your damage is not as easy as it should be. Fortunately, you have someone in your corner to get you the money you deserve. A water damage insurance claims lawyer in Fort Lauderdale from Coffey Trial Law can help.
Call us today at 954-541-3194. We have 20-plus years of combined experience helping victims of water damage claims get the benefits and support they deserve from their insurance companies. We would love to do the same for you.
What kinds of water damage will my insurance policy cover?
What your policy covers depends on what you signed up for; however, most cover a wide variety of accidental water-related damage including:
- Damage from a leaky roof or windows
- Busted pipes
- Damage to your house due to heavy rain or hail
However, one major type of water damage that your homeowner’s policy likely does not cover is damage caused by flooding.
It seems counterintuitive, but no matter what you think or even what your insurance agent told you, flood insurance is generally under a separate policy.
Note: If you live in a designated flood zone, you likely already have flood damage coverage as most companies require it.
Make sure you know the terms of your policy. Some insurers take advantage of homeowners or renters who do not understand what their policies offer.
What should I expect when filing a water damage claim?
Once you have discovered water damage, you need to call your insurer and report the damage.
In many cases, you may have no trouble getting a fair payout from your insurance company to cover the cost of damages.
However, some insurers lowball or simply refuse to pay valid claims by policyholders. Insurers may lowball or deny water damage claims for any of the following:
- You neglected to maintain your property and contributed to the damage (i.e., you knew there was a leak but did nothing to fix it)
- Your insurance policy does not cover your claim (e.g., your claim is for flood damage, you need a separate flood damage policy)
- You did not control the temperature in your house, leading to burst pipes or the development of mold.
Do not fight your insurer alone. Call a water damage claims lawyer for help.
How can a water damage claims lawyer help me?
Even though insurers promise to take care of their insureds, they are primarily out for their bottom line. That means they may take advantage of you in order to pay less for your claim. They often do this by making your policy virtually incomprehensible to anyone without a law degree.
Fortunately, we spent years in and out of school mastering our craft to ensure we give you the best legal advice and guidance we can.
Our attorneys will analyze your policy, find any potential loopholes the insurer could have used, and provide evidence against all of the typical rebuttals that stubborn insurance agencies use. We will use our evidence to prove that:
- You acted in a diligent manner and to the best of your ability to prevent additional damage from occurring
- You paid all of your premiums in full and on time
- The loss occurred during the coverage period
- Your policy covers you for the particular type of damage you have experienced (i.e., there are no loopholes in your policy that would invalidate your claim)
- The insurance company has, in fact, undervalued or lowballed the costs of your losses
When we take on your case, we will negotiate with the insurer to get you the compensation you deserve or we will take it to court.
Either way, we will fight to ensure you get the settlement you need to repair your home.
Call Coffey Trial Law Now For a FREE Consultation
If you live in South Florida and are dealing with a stubborn insurance firm that does not want to pay you what you deserve for a water-related damage claim, give us a call.
We will ensure that your insurer gives you the money you need and deserve. And remember, we will not charge you a dime to take on your case — we make the insurance company cover that for you when we win your case.
Get help from attorneys who care about helping you and know how to do it.
Call Coffey Trial Law today at 954-541-3194.