When your home or business is overcome by water, the damages can be overwhelming. Water can cause serious damage to property and promote the growth of toxic mold that render the premises unusable. When water seeps into a residence or other structure, it can damage carpeting or other flooring, furniture, drywall and even the underlying structure itself. As a result, your first inclination after your property has sustained flood damage is to contact your insurance company and file a claim for property damage.
Unfortunately, making a claim for flood damages is not always as easy it might seem. Insurance policies routinely cover water damage, but often exempt flood damage from coverage. Accordingly, some property owners purchase separate flood insurance policies, particularly in areas known to be prone to flooding. These policies, however, define “flooding” as a very narrow occurrence that does not include all types of water damage. Therefore, you may have a hard time filing a successful claim for damages caused by flooding under a standard property insurance policy or even under a specialized flood insurance policy. This strict legal definition of “flooding” can be difficult to determine, and, given the severity of the damages that can occur as a result of water, insurance companies may be reluctant to pay out any claims that you may make.
When you are trying to recover from the disastrous effects that a flood can have on your home or place of business, the last thing you need is a dispute with your insurance company over coverage of your claim. As you attempt to restore your home or business, you will need the financial compensation that you thought you were guaranteed by purchasing an insurance policy against flood damage. This is where SG can help.
We have experience dealing with insurance companies and helping clients obtain the coverage they deserve. You have enough to handle as you rebuild your home or business. We have the long-standing skills and expertise to negotiate with insurance adjusters and reach a just and fair settlement in your case. If a settlement cannot be reached, then we will not hesitate to take your insurance company to court and hold it responsible for the policy under which it agreed to provide you coverage for flood damages.
Contact the South Florida flood insurance attorneys at SG today for the help that you need and deserve.