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.
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 to File a Water Damage Claim in Florida
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. Divide your damaged property from undamaged property to prevent the spreading of mold and other issues. 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. 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, such as by boarding up broken windows and getting rid of standing water.
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.
- 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.
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.
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.