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Miami Homeowners Insurance Claims Attorneys Talks About Filing A Flood Insurance Claim

Our experience as Miami Homeowners Insurance Claims Attorneys has taught us that what should be simple can frequently be complicated. We are here to help you with your flood claim if your insurer refuses to pay your claim.

Having a home near the coast in Florida most assuredly means you will deal with rising water from the ocean. Ocean waters can flood homes and condominiums when tides overflow the beaches and breakwaters from a combination of high, onshore winds and high tides. The water pushed onto land, called the storm surge can flow up to a mile inland. Tropical storms and hurricanes can cause flooding. Heavy or torrential rains can also cause flooding. Consequently, having flood insurance on your property is of vital importance to protecting your assets.

Homeowners must be aware that damage or loss caused by flooding from rising waters is not automatically covered by your standard homeowner’s insurance policy. Flooding events from burst pipes are covered under the standard policy. Therefore, you must purchase flood insurance. Many Florida insurance carriers offer flood insurance. If you are not able to find flood insurance, the Federal Emergency Management Agency (FEMA) can help you locate a policy to provide you coverage. A homeowner must be aware that the flood insurance does not take effect until 30 days after you purchase the coverage. Interestingly, FEMA indicates that 20% of all flood loss claims originate from areas not situated in a flood plain. 

If you experience loss from rising waters, there are several steps you can take to protect your property. You can protect your property from flooding with sandbags positioned to reroute rising waters. Also, you can cover windows and doors with plywood. The plywood covering helps prevent broken windows, which can allow the weather to enter your home. Trying to stop or slow the flood waters may help limit some damage. Of course, the strength of the storm may render your efforts useless.

When the specter of a flood looms, you should make sure you have your home insurance policy handy. Make certain you have all riders, attachments, and extra coverage, such as flood insurance. You should consider securing these vital documents in a safety deposit box at your local bank. At the very least, make sure you have access to the name and phone number of your insurance agent. Call your insurance agent to report your loss and to commence the claims process. If you can do so, take photographs of your property in the flooded state. The pictures are compelling evidence of the loss you suffered.  Do not take any unnecessary risk attempting to take the pictures. FEMA suggests making a list of all damaged property, including proof of the value of the item, lost whether by prior appraisal or a receipt from the purchase. An insurance adjuster will visit your property, but the water may have receded by the time the adjuster assesses your property. Additionally, you may be forced to discard unsafe or hazardous items before the adjuster can document them.

The last step in the flood claims process is filing the proof of loss statement. The proof of loss statement is a sworn statement of your loss. You list all of the items damaged or destroyed and their value or replacement cost. You must file this document with your insurance company within 60 days from the date of loss. You can lose out on your claim if you do not timely file your proof of loss.

Contact Miami Homeowners Insurance Claim Attorneys If Your Insurance Company Refuses To Pay Your Claim

Let South Florida’s Top law firm – as voted by the Miami Herald – Greenberg, Stone, & Urbano, represent you with your homeowner’s insurance policy claim. The attorneys at Greenberg, Stone, and & Urbano have over 130 years of combined legal experience at your service. Call the South Florida homeowners insurance claim attorneys at Greenberg, Stone, & Urbano – an AV-rated firm by Martindale-Hubbell – today at (888) 499-9700 or (305) 595-2400 to schedule your free consultation.

Sources:

https://www.floodsmart.gov/floodsmart/pages/preparation_recovery/file_your_claim.jsp

https://www.floodsmart.gov/floodsmart/pages/coastal_flooding/varied_coasts_varied_risks.jsp

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