Water Damage / Water Loss
Water damage is perhaps the most common type of claim home owners and business owners make against their insurance companies. Some typical causes of water damage are broken water pipes, malfunctioning ice makers, water heater leaks, refrigerator leaks, dishwasher leaks, washing machine leaks, and rain coming in through small gaps in the roof or around the windows. Water damage can be amongst the most destructive occurrences to your property, and it may also lead to the growth of mold which poses a potential health problem to individuals exposed to mold spores. If you have suffered water loss, remember that your insurance companies’ interests are usually in conflict with your need for fair compensation.
Insurance companies are a for profit business, and to make the most money they need to pay out as little as possible for claims. That is why insurance companies can be tricky when it comes to water damage claims. They may argue that your claim was reported late or that the loss was pre-existing. In fact, many insurance policies contain language stating if it is believed the leak existed for more than 14 days your claim is not covered- even if you couldn’t see the leak. The insurance companies use clauses like this to deny claims when there has been a gradual, unnoticeable leak. For instance, if you have a pipe slowly leaking behind a wall, the insurance company may deny your claim even if you report it the first day you see the evidence of the leak (i.e. a pooling of water). Likewise, insurance companies may deny water damage claims on the basis that they resulted from a leaky, old, or faulty roof. Further, many policies have language limiting or excluding damage caused by mold even though the mold resulted from the water damage. These are just examples of some of the tactics insurance companies use to deny water damage claims, but there are others as well. That is why it is imperative that you seek experienced legal counsel for your water damage claim. DRG Firm is here to assist you if your insurance company wrongfully denies your claim.
An insurance policy is a complex contract between you and the insurance company. It is crucial to have an attorney that understands the nuances of your policy, especially when making a claim for water damage. Experienced representation can be the difference between a timely payment on your claim or a denial. Similarly, a knowledgeable attorney interpreting the language of your policy can maximize your recovery and avoid insurance company delays. Whether your property was damaged by rain coming through an old roof or a broken water pipe, we can help you get the full amount of insurance coverage owed to you under your policy. The experienced water loss attorneys at DRG Firm are here to assist any homeowner, business, or condominium association with water loss claims through South Florida.
Below are some suggested measures you should take after a water loss:
- Do everything within your power to mitigate the loss. This may entail shutting off the water and drying the affected area. You may want to call a water dry out or water extraction crew if needed. Some of these crews are available 24/7 for a quick response. If water is coming in through an opening on roof you may want to place a tarp to stop the flow.
- Report the claim to your insurance company. In doing so be careful to use only the term “water damage” or “water loss.” Do not relay more information than you have to. Be as succinct as possible.
- Take pictures or video of loss for documentation purposes.
If your insurance company offers to settle your claim after you have initiated litigation, they are often required to pay your legal fees under Florida Law. Regardless, DRG Firm will provide you with a free consultation, and there are no attorney fees unless we recover for you. If you have a water damage claim, our experienced staff is happy to assist you 24/7. Call us at 1.888.413.8353 so that we can review your home owner’s insurance policy and assist you with your water loss claim.