Help with Water Damage Claims
Water damage from flooding, broken pipes, or heavy rain causes significant damage to homes and businesses without notice. The cost to repair water damage can be staggering, which is why you pay for insurance protection. But how do you know if your water damage is covered? And what happens when your damage claim meets with a dispute or denial? Your home or business can suffer water damage due to:
- Other severe weather events
- Heavy rain
- Storm surge
- Broken water lines
- Appliance failures
- Sewage backups
Homeowners and business owners have different insurance products to protect their investments when water causes damage. After paying your premiums on time, you expect to have your property repaired or replaced. Roller Rubinstein in North Miami Beach can help you understand your insurance coverage and pursue a water damage claim to get your property back on track.
Your Type of Water Damage Matters
The type of water damage you incur in your home or business matters in the insurance industry. Although water damage claims are among the most common recovery assistance requests, they are also among the most troublesome. Certain complexities exist that define what types of water damage are covered by different insurance policies.
Water damage can be covered by your:
- Homeowners’ insurance
- Commercial building insurance
- Hurricane insurance
- Flood insurance
However, the type of water damage you incur determines which coverage applies. As a general rule, water from above is covered under a standard homeowners’ policy, but water from below is not. For example, a tree falls and damages your roof, allowing rain inside and causing water damage. Your homeowners’ policy would cover this damage. A broken pipe under the floor that floods your basement would be covered; however, flood waters from storm surges, nearby rivers, streams, and lakes would not be covered.
Hurricane and flood insurance offers additional coverage for water damage from off your property. Banks and other lenders often require flood insurance if your home or business property is in a FEMA-defined flood zone.
Contact Roller Rubinstein today at 954-828-0333 or contact us online to request a review of your insurance coverage if your South Florida property sustains water damage.
Why Partner with Roller Rubinstein?
Sadly, many insurers look for reasons to delay, underpay, or even deny water damage claims to save their company money. You paid your premiums and expect your property damage to be covered – but it is seldom that simple. Home and commercial property owners routinely encounter problems with their water damage claims, such as:
- Denying you have coverage
- Citing pre-existing conditions or uncovered circumstances that void your coverage
- Delaying claim processing or payouts
- Undervaluing your water damage
- Refusing to honor your policy’s coverage guarantees
You could be left with damaged property and incredible repair costs you cannot afford. A South Florida Property Damage Claim Attorney from Roller Rubinstein can help you hold the insurance company accountable and receive everything you deserve. Don’t settle for a rejected claim, underpaid claim, or unconscionable delays – get seasoned legal help for water damage claims in Miami-Dade, Broward, Monroe, and Palm Beach Counties and surrounding South Florida communities.