The Florida water damage claim lawyers at the Shochet Law Group may be able to help you if your water damage claim was denied or if you believe your water damage claim was underpaid. Water damage claims can be more complicated than other types of damage claims because some types of water damage claims may be covered by standard insurance while other types of water damage claims, like flood damage claims, may not be covered by standard insurance. The Shochet Law Group is a Florida water damage claim law firm that works with individuals who need assistance navigating the claim process or appealing a denied water damage claim. The fine print of many insurance policies can be difficult to follow and some insurance companies may use this to take advantage of homeowners. The Shochet Law Group works in your interests, helping you get the best possible settlement permitted under the law.
If your water damage claim has been denied, and you aren’t sure whether your water damage claim is or isn’t covered by insurance, you may want to reach out to the Shochet Law Group, a water damage claim denial lawyer in Florida. If your water damage claim was denied or underpaid and you cannot get your insurance company to pay you the settlement you believe you deserve, the Florida water damage claim attorneys at the Shochet Law Group in the state of Florida may be able to help.
Why Florida Water Damage Claims Get Denied
There are many reasons why water damage claims in Florida might get denied. Every policy is unique and whether or not your water damage claim is covered will depend on the type of coverage you have. Let’s take a look at some of the common reasons why water damage claims get denied, and explore what options you may have.
- Insufficient Coverage. Flood damage is not part of standard homeowner’s insurance policies. If you have a mortgage and live in a flood zone, you will be required to have flood insurance. Unfortunately, flood zones in recent years have been expanding, and the city planners can’t always keep up when it comes to designating wider flood zones. You may live in a zone that could be prone to flooding even if it is not an officially designated flood zone. If your area gets a big hurricane or even a big storm, you could find yourself literally and figuratively underwater. In this case, you may not have been required to buy flood coverage, but may still need it. If you don’t buy additional flood coverage on your own, your home would not be covered for water damage if a flood causes the water damage. If your water damage claim has been denied, the first question you should ask yourself is: did flood waters cause the damage? If yes, the next question you need to ask is whether or not you purchased additional flood damage coverage. If you aren’t sure what is or isn’t covered in your policy, the Shochet Law Group, a water damage claim denial lawyer in Florida may be able to help.
- Unclear Source of Damage. Let’s say you don’t have flood coverage, and your home suffered water damage. Let’s also say that your home definitely has damage from flood waters but also has water damage because your roof blew off in a hurricane and water got in. What happens now? Standard homeowners and property insurance coverage will typically cover water damage caused by a damaged roof, but won’t cover the water damage from the flood. Some insurance companies take care of this loophole by simply adding a clause that denies you coverage for water damage entirely in this situation. Some companies have a clause that states if water damage comes from multiple sources, then water damage isn’t covered, or something of the like. Yet, if your policy doesn’t have this clause, then you may need to sort out with your adjuster where the water damage came from. This can get complicated. The Florida water damage claim denial attorneys at the Shochet Law Group may be able to help you sort this out. We can take a look at your policy’s fine print, look at your water damage, and help differentiate between damage that seeped in through your foundation and damage that came from rain through your roof. We can then negotiate with insurance adjusters to help you get the best possible settlement for your water damage claim.
- Slow Leaks. Fast leaks, like a burst pipe, are typically covered under standard homeowner’s insurance coverage. But slow leaks, like a small leak that went undetected or unfixed, or a leak that happened when your home was empty, are typically not covered. For example, if you ignored your leaky roof and then it results in water damage over the course of several weeks, your insurance company may not cover you. Issues can arise if you did contact your insurance company right away, but the adjuster claims that something that was a fast leak is actually a slow leak. Here, a water damage claim denial lawyer in Florida may be able to assist you with your claim. The Shochet Law Group works with individuals and families whose water damage claims have been wrongfully denied.
- Excluded Damage. Different policies may have different exclusions when it comes to backed up sewage systems or other types of water damage issues. If you live in a condo and suffered water damage, your insurance company may need to get to the bottom of the source of the water and the party at fault for the water damage. Some types of water damage issues are the responsibility of the condo association and other types are the responsibility of the condo owner. If you are having trouble with a water damage claim or are being blamed for being the source of water damage when your condo is not at fault, you may want to reach out to a Florida water damage claim lawyer at the Shochet Law Group. Our water damage claim denial lawyers are here for you.
If your water damage claim has been denied, you may have the right to appeal the denial. If you feel you aren’t receiving the best possible settlement for your claim, the water damage claim lawyers in Florida at the Shochet Law Group may be able to help you. We can review your policy, review your damage, and fight to help you get the best possible settlement permitted under the law.
Contact a Florida Water Damage Claim Denial Lawyer Today
If you believe your water damage claim has been wrongfully denied, the water damage claim denial lawyers at the Shochet Law Group may be able to help. Our Florida water damage lawyers work closely with individuals and families to hold insurance companies accountable when they fail to meet their legal obligations. Insurance adjusters have a legal responsibility to accurately represent your policy to you and not lie about what is and isn’t covered. If you feel like your insurance company is acting in bad faith, the Shochet Law Group may be able to help you. Contact our attorneys today to learn more.