Our Fort Lauderdale Flood Damage Lawyer Represents Homeowners and Business Owners After Hurricanes and Other Storms
Living on Florida’s Atlantic coast, the risk of your home or business sustaining flood damage as the result of a storm is a very real concern. Hurricanes and tropical storms threaten homes and businesses in Fort Lauderdale every year, and major storms often cause widespread damage. If your home or business has sustained flood damage, the recovery process will involve filing a claim under your flood insurance policy; unfortunately, this is rarely as simple and straightforward as it should be. Consulting with a flood damage lawyer is often your only way to recover.
Fort Lauderdale Flood Damage Lawyers for Flood Insurance Claims
At Maus Law Firm, we represent homeowners and business owners in flood damage insurance claims. We can help you file your claim if your home or business has just been damaged; and, if you are struggling to secure coverage (or if your claim has been denied), we can deal with your insurance carrier on your behalf. We handle flood and other property insurance claims on behalf of South Florida homeowners and business owners following hurricanes and other major storms and, if you have a claim, a Fort Lauderdale flood damage lawyer can use their experience to enforce the terms of your flood insurance policy.
Understanding Your Florida Flood Insurance Claim
In Florida, standard homeowners’ insurance and commercial property insurance policies do not provide coverage for flood damage. As a result in order to obtain flood coverage you must purchase a separate policy.
Until 2014, purchasing flood insurance under the National Flood Insurance Program (NFIP) was the only option for Florida homeowners. But, a change in the law opened up flood insurance to the private market, and today Floridians have the option to shop for flood insurance coverage if they so choose. While this allows for rate shopping, it also means that filing a flood damage claim presents many of the same challenges as other types of other property damage claims.
As a result, homeowners and business owners often struggle to secure flood insurance coverage from their insurers. Some examples of common issues include:
- The insurance company fails to conduct a timely investigation, resulting in additional loss and unnecessary delays
- The insurance company wrongfully denies coverage on the basis that the damage resulted from wind and rain rather than flooding
- The insurance company fails to process individual claims in a timely manner as a result of being inundated with flood damage claims following a hurricane or other major storm
- The insurance company refuses to fully pay a flood damage claim despite all necessary evidence being available to prove the policyholder’s right to coverage
- The insurance company misrepresents the terms of coverage, ignores facts, accuses the policyholder of failing to mitigate the damage caused, or engages in other bad-faith practices
Regardless of the specific issue at hand, if you are struggling to obtain flood damage coverage, an experienced flood damage attorney can help.
Flood Damage Insurance Coverage in Fort Lauderdale
Flood insurance policies typically cover appliances. If your refrigerator, stove, washer and dryer, or other major appliances were damaged by floodwater, you should be able to secure coverage to get them repaired (if possible) or replaced under your flood insurance policy. If you are struggling to obtain coverage, you should promptly discuss your claim with a Fort Lauderdale flood damage lawyer.
Furniture and Personal Items
Flood insurance policies also typically cover furniture and other personal items. There are some exceptions (for example, if your house has a basement, any items stored in the basement might not be covered), but generally speaking, you can seek coverage for any items of personal property that suffered water damage in a flood.
Hardwood Floors and Carpet
Aside from structural issues, one of the biggest expenses associated with flood damage is replacing hardwood floors, carpets and other flooring materials. The costs of replacing your home’s flooring should be covered. But, some insurance companies will attempt to deny replacement coverage by claiming that flooring materials can simply be dried. Again, if you have any issues with your insurance claim, you should seek help from an experienced Fort Lauderdale flood damage attorney.
What Are My Rights if My Flood Insurance Company Refuses to Pay?
If your flood insurance company refuses to pay for your appliances, personal items, flooring or anything else that suffered water damage in a flood, you should not simply accept the denial of coverage. Instead, you should consult with a lawyer regarding the options you have available. For example, you may be able to secure coverage through mediation, or you may have the right to request an appraisal under your policy. If necessary, your lawyer can also take your insurance claim to court.
Can I (and Should I) Hire a Fort Lauderdale Flood Damage Lawyer to Handle My Claim?
Yes, you absolutely can (and should) hire a lawyer to help with your flood damage claim. From negotiating with your insurance company to taking your claim to court if necessary, there are several ways an experienced Fort Lauderdale flood damage lawyer can help you. You can hire a lawyer to handle your claim from the beginning; or, if you already filed a claim and are struggling to obtain coverage, you can hire a lawyer to take over the process for you.
What Should I Do if My Home is Still Flooding?
If your home is still flooding, you want to do what you can to protect your property. However, it is extremely important that you not put yourself in danger. When you contact your flood insurance company, it should send someone to try to mitigate your losses. For example, if your roof is leaking, your insurance company might send a contractor to install a tarp to prevent additional water intrusion. But, this does not always happen, and, rather than risking your own safety (and potentially jeopardizing your insurance claim), you should contact a Fort Lauderdale flood damage attorney who can explain your rights and options under your flood insurance policy.
Discuss Your Flood Damage Claim with Fort Lauderdale Flood Insurance Attorney Joseph Maus
If you would like help with your flood damage claim, we encourage you to get in touch. To schedule a free, no-obligation consultation with Fort Lauderdale flood damage attorney Joseph Maus, call us at 855-999-5297 or inquire online now.