VCM Law Group regularly represents clients in water damage claims throughout South Florida. Unfortunately, insurance companies frequently underpay or deny such claims by stating water damage is excluded from the policy. When water damages a home, condominium or business, it is not quickly remediated, which can cause toxic mold to develop. With so much at stake, it is crucial to have the powerful representation we provide.
Our experienced water damage claims attorneys know how to fight back against claim denials and underpayments. When you consult with us, we will help you understand the terms of your insurance policy and help you attain the maximum recovery you deserve.
Although many of these claims can be resolved through negotiated settlements, we have a proven ability to hold insurance companies accountable in court. Above all, we are committed to protecting your interests, whether inside or outside of the courtroom.
If you are involved in a dispute with your insurance company over an insurance claim, we can help; contact our office today for a free consultation. You will not pay any attorney’s fees even if we recover for you.
Miami Water Damage Claims
Water damage claims are complicated by the fact that coverage hinges on the source of the water. As you may already know, water damage caused by a flood is not covered under homeowners insurance. In fact, homes and businesses are required to have separate flood insurance through the National Flood Insurance Program (NFIP). You can learn more about the NFIP by visiting FEMA.gov.
At VCM Law Group, we focus on claims arising from water damage that is not flood-related, including:
- Leaking roofs
- Broken and leaking water pipes
- Cracked foundations
- Broken windows
- Faulty appliances
- Storm damage/heavy rains
- Sewer/water backup
The challenge lies in determining what is covered under your policy. As an example, your homeowners or commercial property insurance may cover damage from leaking pipes, but not sewer or water backup, which may require obtaining extended coverage.
If your home or business has water damage your insurance company refuses to cover, turn to VCM Law Group. Our legal team is well-versed in the various types of water damage coverage and highly experienced in disputing claim denials.
How to Prevent Your Claim From Being Denied
Although water damage claims are frequently denied, particularly claims arising from broken pipes and groundwater, there are steps you can take to avoid a claim denial, such as:
- Call VCM Law Group
- Take pictures of any property damage and the surrounding area
- List and retain all damaged items, as well as noting the cost of each
- Hire a water damage expert to identify the source of the leak and determine how and when it began
It is also crucially important to check for leaks regularly. Check your plumbing, appliances, foundation and roof for damage or leaks every few months and make the needed repairs as soon as possible. Insurance companies frequently deny claims by stating the damage was caused by improper maintenance of the property.
If your damage claim has been denied, contact VCM Law Group. Our experienced property insurance attorneys can help you file appeal the denial or reopen the claim. While we prefer to resolve claims disputes through negotiated settlements because you will get paid faster, our trial lawyers are fully prepared to litigate.
Common Perils Florida Property Owners Face
Water is a powerful and destructive force that can result in all types of damage, including structural damage, compromised walls, and damaged appliances. In addition, water damage can lead to the accumulation of toxic mold, which can be harmful, particularly to those who are vulnerable — children, the elderly and those with pre-existing conditions.
In any event, your insurance company has a duty to make sure you understand the terms of your insurance coverage. If your insurer failed to do so or intentionally misled you, they can be held liable. When you consult with VCM Law Group, you can rest assured that we will make sure your insurance company honors your claim.
Contact Our Miami Water Damage Claims Attorney
If your home or business has been damaged by water and the insurance company has underpaid or denied your claim, VCM Law Group can help. We have extensive experience negotiating water damage claims with all the major insurance carriers and will work to help you recover the full value of your claim. Our legal team has a proven track record of achieving successful outcomes against insurance companies, inside and outside of the courtroom. Please contact our office today for a free evaluation of your case.