Guide to Selecting a Home and Property Water Damage Insurance Claim Lawyer
There is no denying that water is essential as there are many things we would not be able to do in the absence of water. However, an abundance of water can cause a lot of damages to one's home, property, garage, and more damage if your home or property is uninsured.
According to the National Flood Insurance Program (NFIP), 90% of all-natural disasters in the United States involve flooding.
In Florida, like other parts of the world, many things can cause flood damage. They include:
Unlike some other parts of the world, Florida Homeowner's policy does not cover water damage. Hence, every homeowner must purchase water damage insurance in addition to a home insurance policy.
Still, it is not enough to have water damage insurance; there is a need for a water damage claim attorney.
If your home or property gets damaged by water, getting it back will require a lot of work, especially if your insurance company refuses to cooperate. This is where the services of a Home and Property Water damage claim attorney comes in.
By hiring a property damage insurance claim lawyer from Louis Law Group for your water damage claim will not only ensure you get all you deserve in case of water damage, but they will also ensure you get your settlement on time. So, there is no doubt about needing one in the case of water damage.
In Florida, many attorneys can help should you need to make a water damage claim. A search on the internet will take you a step closer to getting one.
- 1 How do You Protect Your Home and Property from Water Damage?
- 2 Why You Need a Home and Property Water Damage Claim Attorney
- 3 Conclusion
How do You Protect Your Home and Property from Water Damage?
One's home, and property can indeed get destroyed by water unexpectedly. However, it is only wise to take some steps to protect your home, and property should water damage occur.
Suppose you reside in a place that makes you prone to water damage, probably a place that gets flooded regularly; you would want to do the following:
1. Get Water Damage Insurance
One cannot overemphasize the importance of getting water damage insurance, especially in places like Florida, where homeowner's insurance policy does not cover water damage or business interruption income loss claims. Besides getting the water damage insurance, there is still a need to do an annual insurance check-up with your agent to confirm that you have the right coverage.
2. Know Your Flood Risk
You need to know where you stand as regards a flood. Do you live in an area that is prone to flood or one that is not? You should look up your address in the flood map service center to know where you stand.
3. Take a Household Inventory after Water
Before water damage occurs, you must take a household inventory. This is to avoid a situation whereby your insurance company claims that you didn't lose certain items to the water damage when, in fact, you did. These documents must be kept safe because they will certainly come in handy should water damage happen.
4. Be Prepared
In case there would be a need for you to evacuate, you have to be prepared. You have to prepare an emergency kit. This would include the necessary prescription medications and a first aid kit.
5. Store Important Documents
When you know a flood is imminent is the perfect time to store important documents like birth certificates, passports, medical records, insurance papers in a safe, dry place.
6. Stock up on Foods and Other Essential Items
In the case of a flood, you cannot afford to wait until the last minute when there is already a flood warning. Stock up on non-perishables and water. If you fail to do this early enough, you might face empty shelves when you eventually decide to.
Why You Need a Home and Property Water Damage Claim Attorney
In the case of water damage, the importance of employing a water damage claim attorney's services cannot be overemphasized. Below are a few reasons you should not go ahead with your water damage claim without the presence of a water damage claim:
1. Potential Confusion about Water Damage Insurance Policies
Because most water damage insurance is separate from the homeowner's policy, there is always confusion about what will be covered in the insurance. However, with the help of a water damage claim attorney, all your confusion and fear will disappear. Hence, it will not be difficult for you to figure when, where, and how to submit a claim for your losses with one.
It is quite common for insurance companies to reduce a victim's claim or deny it completely. The insurance company can deny you suffered certain losses. Truth be told, if they say this, there is nothing you can do without the help of a competent home and property water damage attorney. This attorney would help you file your claim in such a way that your insurance company will not be able to refute your claims.
3. Hidden Costs and Damages
There is a tendency for a person without a home and property water damage attorney to get a lesser settlement than a person with one. It is only logical. An attorney will make sure to go to any length to ensure that his client gets what is rightfully theirs.
4. They would Help You Gather and Organize All Important Documents
A home and property water damage attorney understands how important documents relating to the water damaged areas can serve as evidence. So, they would help you organize all your documents and everything to help you get your settlement as fast as possible.
5. They would Proceed with Negotiations
If the need arises, a home and property water damage attorney will negotiate with your insurance company representatives to reach a favorable agreement.
Considering the rate at which people experience water damage in Florida, it is advisable to insure your home and property in case of water damage and employ the services of a competent home and property water damage attorney.