WATER DAMAGE Claim Attorneys

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Unfortunately, water can cause extensive damage to homes, including floors, drywall, baseboards, as well as furniture and other personal property. Water damage claims are even more complicated because the insurance companies only cover certain sources of water damage.

Your insurance company will have its experts investigate the water damage claim to determine the source or where the water came from that caused the damage. The fact is that many legitimate water claims are frequently either under-paid or outright denied by insurance companies based on some exclusion in the insurance policy or the failure of the homeowner to properly document the damages and/or repairs.

What Type of Water Damage is Covered by Homeowners Insurance?

For the most part, homeowners insurance only covers water damage that occurs as a result of "sudden" and "internal" incidents. Unfortunately, it is up to the discernment of your insurance company to determine what events qualify as "sudden internal" events. In general, this usually includes water damage caused by the following incidents:

• a burst or blocked pipe
• damage caused by certain weather events such as wind-driven rain or snow
• a leaking washing machine or dishwasher
• fire sprinklers going off in the event of a fire
• vandalism or malicious behavior on the part of a home invader

What Water Damage is Not Covered by Insurance?

While specifics of water damage coverage may vary slightly from one policy to the next, in general most policies do not cover water damage incurred due to the following:

• "gradual damage" or damage that occurred over a period of time, rather than suddenly
• floods
• poorly maintained plumbing or appliances
• water coming in from outdoors due to sewage or drainage overflow
• mold damage occurring as a result of water damage

My Water Damage Claim Was Denied. Now What?

If your water damage claim was denied or you feel that you have not been fairly compensated for the damage to your home, our Tampa water damage lawyers can help. It is possible that your claim was not given the attention it deserves, or that the claims adjuster dealt unfairly with you. By providing proper documentation of any accidents, as well as getting professional opinions, you can help ensure that you are compensated properly for the damages to your home.

You Don’t Have to Deal With the Insurance Companies Alone

Dealing with an insurance company following a water damage claim can be complicated, frustrating, and confusing. It is not unusual for claims adjustors to exclude property or items that should be paid by your insurance company. Our firm can help you by guiding you through the claims process and having our own specialist assess your damages.

If you need to file a claim, have already been undercut on your claim, or feel you have been mistreated, our Tampa insurance lawyers can help. We go above and beyond to fight for everything our clients are truly owed.