Water damage can cause significant issues for homeowners. Not only can property damage be costly and stressful, but some homeowners and their family members suffer health consequences, such as exposure to mold that may lead to illness. When insurance companies do not act quickly to help you repair your home by processing your claim as efficiently and quickly as possible, the consequences can leave you feeling uneasy for weeks, months, or even years in certain situations where the water damage is extensive.
Insurance companies scrutinize every claim, even if it seems obvious that water damage to your home is covered by your insurance policy. Many Florida homeowners are dealing with water damage claims on a regular basis, especially in the Miami area, where 15,491 water damage claims were filed from January 1, 2014, to December 31, 2015, the fifth largest in the country during this timeframe.
The property insurance claims attorneys of Greenberg, Stone & Urbano are no strangers to insurance claims that involve water damage, as we all know that the state of Florida is, for a lack of a better term, a wet state. The potential exists for any homeowner to experience water damage for a variety of reasons stemming from weather and general maintenance issues. Our attorneys have helped clients determine if their insurance companies are addressing their property damage claims fairly, and if not, what options exist for seeking to have a claim covered in accordance with an insurance policy. There is simply too much at stake to handle the claims process alone when you are concerned that your claim may be wrongfully denied. Determining the true cause of the water damage is the first step to getting your matter resolved.
Common Causes of Water Damage and Why Your Insurance Company May Deny Your Claim
Because there are many causes of water damage, many insurance companies may find a reason to deny your claim. The most common causes of water damage that lead homeowners to file claims include, but are not limited to, the following:
- Plumbing issues (such as leaks, and overflow of water);
- Appliance failures (such as washing machines, refrigerators, and water heaters, among others);
- Rain and snow that has seeped through windows and/or doors; and
- Leaking roof.
A big reason why some insurance companies deny claims related to water damage is the fact that some claims turn out to be fraudulent. This is a bad apple situation where one fraudulent homeowner makes the claims process very scrutinizing for all homeowners who file legitimate claims under their insurance policies. Given that an insurance company is likely to take a look at a water damage claim with a very close eye, homeowners may find guidance by speaking with a qualified legal professional to ensure their rights and interests are protected throughout the claims process.
Contact the Miami Insurance Claims Attorneys of Greenberg, Stone & Urbano Today to Schedule Your Free Consultation!
If your home has suffered water damage and you are in the claims process or have questions about whether or not damage to your home should be covered by your homeowners insurance policy, it is important that you have a full understanding of what your rights and options are under your insurance policy. With more than 130 years of combined professional experience, the Miami Insurance Claims Attorneys of Greenberg, Stone & Urbano continue to provide superior legal representation to numerous homeowners across South Florida. We have received an AV rating from Martindale Hubbell, and we also have been named a top South Florida law firm by the Miami Herald. To schedule your free consultation to discuss your insurance claim matter with one of our attorneys, contact Greenberg, Stone & Urbano today by calling (888) 499-9700 or (305) 595-2400. You may also contact us online by visiting our website.