Florida Water Damage Claims Lawyer
Water damage is not uncommon in Florida. With the lowest high point in America (345 feet above sea level), an average of 113 days of rain per year, storm surges and hurricane season, Floridians are at high risk of flooding and water damage. If you need to recover financial compensation for water damage in Florida, you may need a claims lawyer’s assistance. Insurance companies often try to take advantage of unrepresented clients. Protect yourself by hiring a Florida water damage claims lawyer from Williams Law, P.A.
Why Choose Us?
- Our Florida insurance claims lawyers have recovered over $100 million on behalf of their clients. This includes many successful storm and water damage claims in Florida.
- We understand insurance laws in Florida. Our attorneys have more than 20 years of on-the-job experience going up against major insurance corporations.
- Our attorneys consistently obtain positive results through personalized legal services, aggressive litigation tactics and a commitment to client success.
- We operate on a contingency fee basis. This means we guarantee that you will not owe us a dime in attorney’s fees if we do not obtain financial compensation for your water damage claim.
Florida Water Damage Resources & FAQs
- How Can a Florida Water Damage Claims Lawyer Help You?
- Common Causes of Water Damage in Florida
- How Common Are Water Damage Insurance Claims in Florida?
- How to File a Water Damage Claim in Florida
- What to Know About Making a Florida Water Damage Claim
- How Much Does a Florida Water Damage Attorney Cost?
How Can a Florida Water Damage Claims Lawyer Help You?
The high probability of a homeowners or business insurance company trying to take advantage of you is one reason why you should hire a Florida water damage claims attorney. Property damage insurance companies work for a profit. When it comes to paying out claims, insurers are notorious for devaluing losses and trying to pay as little as possible. The best way to protect yourself and combat insurance company tactics is by hiring a lawyer. A lawyer can assist you by providing all of the following services, and more:
- Giving you advice and information about your situation.
- Filing claims paperwork with the correct insurance company.
- Connecting you to experts and appraisers to support your claim.
- Keeping the claims process as fast and efficient as possible.
- Helping you get an advanced payment for hotel accommodations.
- Negotiating a fair and full settlement agreement.
- Taking your water damage claim to trial, if necessary.
A water damage claims attorney will have valuable experience that can help you build a compelling claim and support it with evidence. Your lawyer can go up against the insurance company for you to ensure fair dealings. If your claim could benefit from things such as a third-party appraisal of the water damage, your lawyer can make the necessary arrangements with trustworthy professionals in your area. A lawyer can make the overall claims process easier for you while protecting your best interests.
Common Causes of Water Damage in Florida
Water damage claims are one of the most commonly filed types of property insurance claims in Florida. A water damage claim seeks financial benefits from an insurance company for property damage and losses associated with water, flooding or moisture. These losses often include structural damage, wood rot, mold and mildew, surface stains, and landscape destruction. In Florida, there are many potential causes of water damage, such as:
- Storms and heavy rains
- Storm surges
- Water entering a window or door from heavy winds
- Damaged appliances
- Burst or leaking pipes
- Sewage problems
- Water backup
If any type of event causes water damage to your home, you may be eligible for financial compensation from your property insurance provider. The compensation available could pay to repair or replace your damaged property and reimburse you for related expenses, such as the price of staying in a hotel while your home is being repaired. To recover these benefits, you will need to file what is known as a water damage claim.
How Common Are Water Damage Insurance Claims in Florida?
Water damage insurance claims are some of the most common types of claims filed in Florida due to the high number of potential causes of this type of property damage. Homes and businesses in Florida face unique water-related threats compared to dryer states and climates. From hurricane season to heavy humidity, living in Florida comes with many threats of water damage to both the internal and external structure of a building.
These factors make water damage claims extremely common in Florida. Unfortunately, they also make it more likely for insurance companies to work hard to underpay and deny claims. An insurance company may try to allege that your property had pre-existing water damage, for example, or that you could have prevented the damage by taking greater precautions against foreseeable risks. Rather than allowing an insurer to treat you unfairly, hire an attorney to help you make a stand.
Our Practice Areas at Williams Law, P.A.
At Williams Law, P.A., our lawyers have spent over two decades handling the most common types of property damage claims in Florida, including water damage claims. We have built our law firm around this practice area. We have special knowledge of how water damage claims work, which is important in this unique area of the law. Our law firm can handle many different types of cases, including:
- Homeowners insurance claims
- Storm damage claims
- Hurricane damage claims in Florida
- Flood insurance claims
- Hail and wind damage
- Tornado insurance claims
- Tampa Insurance disputes
- Bad faith insurance claims
- Business interruption insurance claims
- Commercial property damage claims
- Condominium claims
- Hotel damage insurance claims
This is not a comprehensive list of our practice areas. We offer many different types of legal services in Tampa and throughout Florida. Whether you have a water damage claim, storm damage claim or another type of case, our attorneys can offer legal advice and assistance to help you make sense of the recovery process.
How to File a Water Damage Claim in Florida
If you suffer water damage to your home or business in Florida, there are steps that you need to take to build the strongest insurance claim possible. Your insurance company will check to see if you followed these steps and did everything that was within your scope of responsibility based on the language of your insurance policy. Take the following actions after a water damage incident to properly file your claim:
- Document everything. If an incident or event causes water damage to your property, begin the recovery process by carefully documenting the damage. Before anything is cleaned up, fixed or removed, take photographs of your property damage. Documenting evidence of water damage is an important part of the insurance process.
- Understand your policy. Take the time to carefully review your property insurance policy and understand what type of water damage it covers, as well as policy limits, exclusions and deductibles. Also, read through the responsibilities you have as a homeowner. These typically include mitigating water damage.
- Inform your insurance company. Once you have fully documented your damage, contact your insurance carrier to file a water damage claim. Although you may want to submit your water damage claim as soon as possible for prompt payment, it is important not to rush through the claims process. Take your time filling out the paperwork, as what you submit is important to the future of your case.
- Minimize your losses. Divide your damaged property from undamaged property to prevent the spreading of mold and other issues. Take other steps to mitigate your losses, as well, such as boarding up broken windows and getting rid of standing water. Air out your home as much as possible using fans to prevent mold.
- Cooperate during the insurance process. Cooperate with your insurance company as much as possible during the claim to ensure a smooth process. If the insurance company requests documentation or proof of your losses, for example, submit photographs, receipts and other forms of evidence. Be aware, however, that the insurance company may try to take advantage of you.
Always speak to a water damage claims lawyer for legal advice before accepting an insurance settlement. It may be in your best interest to seek an independent appraisal before accepting the insurance company’s settlement offer. A lawyer can give you advice that you can trust for how to maximize your financial recovery. Then, a lawyer can take over the water damage claims process for you, if necessary.
What to Know About Making a Florida Water Damage Claim
At Williams Law, P.A., we have spent many years representing clients in water damage and other types of property insurance claims in Tampa and throughout Florida. Below you will find answers to some of the most frequently asked questions we receive from potential clients. For additional information and assistance when filing a water damage claim, contact us.
- What types of water damage are covered by insurance? In Florida, a standard homeowners insurance policy will not cover flood damage. Instead, you will need to purchase an additional type of insurance for flood coverage. In most cases, an insurance policy will only cover sudden, unexpected and accidental water damage. It will not cover gradual water damage, such as from a slow leak. The types of damage covered, however, will depend on the insurance policy.
- How will I know if the insurance company is offering a fair amount? You may need assistance from a third party that you can trust to make this determination, such as an independent property assessor or a water damage claims attorney in Florida. Insurance companies are notorious for undervaluing losses and rejecting valid claims. This is why it is important to be cautious before accepting an insurance settlement for water damage.
- How can an attorney help me get the financial recovery that I deserve? In many cases, simply hiring an attorney is enough to force an insurance company to treat a client fairly. In addition, Williams Law, P.A. has proven legal strategies and aggressive negotiation tactics that we can use to demand maximum financial compensation for your water damage claim.
- What is insurance bad faith? Insurance bad faith refers to an insurance company failing to fulfill its legal obligation to handle a claim in a fair and reasonable manner. This is an illegal practice that can result in penalties against the insurance carrier. If you or your attorney can provide evidence of insurance bad faith, you may be able to file a lawsuit against the insurance company in pursuit of additional compensation on top of benefits for water damage.
- What are my options if my claim has been denied? Don’t assume that you cannot recover compensation if an insurance company denies your claim. With assistance from a lawyer, you may be able to file an appeal and convince the insurer to change its decision. If not, you may have the right to take your claim to court by filing a lawsuit against the insurance company in pursuit of fair compensation.
If your property insurance company has denied your Florida water damage claim, it is not over. With help from an attorney, you can file an appeal and fight for fair financial compensation for your property losses. Common reasons given by an insurance company to deny a water damage claim include citing that the damage was pre-existing, that the claimant did not mitigate damages and that the policy does not cover the type of damage. Hiring an attorney can allow you to fight against insurance bad faith and pursue the compensation that you deserve.
How Much Does a Florida Water Damage Attorney Cost?
Do not let concern over how much it costs to hire a lawyer prevent you from getting the legal help that you need after suffering water damage. Hire a claims attorney in Florida that operates on a contingency fee basis to keep attorney’s fees affordable. This is a payment arrangement that saves you from ever having to pay your lawyer out of pocket.
At Williams Law, P.A., for example, our fees are contingent upon whether or not we win the client’s case and recover financial compensation on his or her behalf. If we do not win your case, we won’t get paid – there will be no fees for you, guaranteed. If we do win your case, we will charge for our services by taking a portion of the settlement or verdict achieved. Learn more about how much your case will cost during a free initial consultation.
Contact a Dedicated Florida Water Damage Claims Lawyer Today
If your home or business recently suffered water damage from any type of event in Florida, contact the Florida water damage lawyers at Williams Law, P.A. for a free initial legal consultation. Our attorneys can represent you throughout the claims process, from collecting evidence of water damage to going up against a major insurance carrier in pursuit of fair financial compensation on your behalf. Contact us today to discuss your unique case in more detail with one of our dedicated attorneys. Call (800) 451-6786 or contact us online to request a free initial case review.