Lawyers for Plaintiffs Insurance in Coral Springs
Water and flood damage are common issues for homeowners in Florida, often resulting from hurricanes, heavy rains, or plumbing failures. Dealing with insurance claims can be challenging, especially when insurers try to minimize payouts. That’s where Tomlinson Law Group can help.
Our experienced insurance lawyers are here to protect your rights and help you receive the compensation you deserve. We handle all the details so you can focus on recovering and rebuilding. Trust Tomlinson Law Group to advocate for you and fight against unfair insurance practices. Contact our Coral Springs office today for a consultation.
Water and Flood Damage Are Separate Claims
Distinguishing between water and flood damage claims is crucial for homeowners in Florida. Water damage typically refers to issues originating within the home, such as burst pipes, appliance leaks, or sewer backups. While this damage is usually covered under standard homeowners insurance policies, insurance companies increasingly deny these claims, citing the policy’s water exclusion wording.
In contrast, flood damage is caused by external water sources, such as heavy rains, hurricanes, or overflowing rivers. Flood damage requires a separate flood insurance policy, as standard homeowners insurance does not cover it. Understanding the difference between these two types of damage is essential for ensuring you have the appropriate coverage.
Water Damage Insurance
Water damage typically refers to issues originating within the home and is usually covered under standard homeowners insurance policies. Water damage insurance generally covers:
- Plumbing issues—Burst pipes, leaks, and other plumbing failures can cause significant damage to walls, floors, and personal property.
- Appliance malfunctions—Dishwashers, washing machines, and water heaters can leak or break, leading to water damage.
- Sewer backups—Sewer lines can become clogged or damaged, causing wastewater to back up into your home.
- HVAC system leaks—Air conditioning units and other HVAC systems can develop leaks that lead to water damage.
Standard homeowners insurance policies are designed to address sudden and accidental water-related incidents. However, it’s essential to review your policy to understand the specific terms and coverage limits. If an incident occurs, our firm is here to guide you through the water damage claims process and secure the compensation you need and deserve.
Flood Damage Insurance
Flood damage insurance is essential for homeowners, especially in flood-prone areas like Florida. Unlike standard homeowners insurance, flood damage insurance specifically covers losses caused by external water sources. This type of damage is often excluded from regular policies, necessitating a separate flood insurance policy.
Flood damage insurance generally covers:
- Natural disasters—Heavy rains, hurricanes, and storm surges can cause extensive flooding and damage to homes.
- Overflowing rivers and streams—Rising water levels can inundate properties, leading to significant damage.
- Storm surges—Coastal areas are particularly vulnerable to storm surges that accompany hurricanes and tropical storms.
- Groundwater backup—Excessive rainfall can saturate the ground, leading to water seeping into basements and lower levels of homes.
A separate flood insurance policy is required to cover these types of damages, as they are not included in standard homeowners insurance. Reviewing your policy regularly and staying informed about your coverage can prevent unpleasant surprises during a flood event. Our insurance attorneys know the ins and outs of flood damage claims and will help you get the compensation needed to restore your home and peace of mind.
At Tomlinson Law Group, we focus on handling water and flood damage insurance claims, ensuring you get the compensation you deserve. Our experienced attorneys know how complicated insurance policies can be and understand insurers’ tactics to minimize payouts. We work hard to gather all the necessary evidence, thoroughly document your claim, and negotiate effectively with your insurer to get a fair settlement.
If your claim is denied or underpaid, we provide strong legal support, even going to court if needed. Our team is skilled at dealing with disputes with insurance companies and resolving coverage issues. Let us manage the details of your claim and fight for your rights so you can focus on returning your home to normal.
The Experienced Choice in Water and Flood Damage Claims
Don’t handle water or flood damage claims alone. Turn to Tomlinson Law Group today for informed representation, guidance, and support. Let our experienced team guide you to a fair settlement. Contact us today to get started.