Flood Insurance Claims
Fort Myers Flood Insurance Claims Attorney
Floods in Florida may be caused by a variety of factors, including the obvious: thunderstorms, tropical storms, hurricanes, high tides, and heavy rainfall. These are things that we as Florida residents are all but accustomed to. However, these aren’t the only factors that contribute to floods. Congested or clogged sewage and drainage systems, urbanization, and levy collapses are also all prevalent causes of flooding. Flooding may accumulate from small “leaks” over a period of time or seemingly happen within an instant.
Regardless of the cause or the time it took to build up (or lack thereof), a flood can and often does cause serious damage. This is why many homeowners and business owners take extra precautions to protect themselves and their property through flood insurance policies.
Unfortunately, when it comes time to file a claim, policyholders are often met with unnecessary obstacles and unreasonable requests from their providers. At The McIntyre Law Firm, our goal is to make sure that insurance companies don’t try to cut corners on your flood damage claim. For more information or to speak with our experienced Fort Myers insurance claims attorney directly, give us a call at 239.935.8426 today.
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Flood Damage Claims
What Damage Does Flooding Cause?
Flood Damage Risks
- Structural damage
- Sharp glass, metal, and other dangerous material debris
- Sanitary issues involving standing water
- Electrical damage
- Issues with drainage and sewage systems
- Contamination of drinking water
- Damage to roads and bridges
- Damaged crops and landscaping
What Does My Florida Flood Insurance Policy Cover?
What Happens if my Insurance Company Rejects my Flood Claim?
It is not uncommon for insurance companies to deny coverage claims or underpay policyholders for damage resulting from a flood or other natural disaster, as we’ve seen recently with Hurricane Ian insurance claim denials. This often puts individuals who have submitted genuine property and storm damage insurance claims in Florida through unnecessary financial hardship.
Insurance companies may reject claims for coverage of flood and water damage for a variety of reasons. Some of these might include the following:
- Damages aren’t covered by your insurance policy.
- Claim was submitted after the policy’s deadline.
- Premium payments are late or absent.
- Coverage limits reached or surpassed.
- Lack of proof or record of losses incurred.
If your claim was denied, the insurance company is required to explain why. Your adjuster should provide you a written letter explaining the reason the claim was denied and the part of the policy that supports their decision. But remember, insurance claim judgments aren’t always made in good faith. If you believe your insurance carrier has wrongly denied or underpaid your claim, ask for a second look from one of our attorneys to see if there was an error on your insurer’s part.
When to Contact an Attorney for Your Flood Insurance Claim
Don’t Wait - Reach Out to the Flood Insurance Claims Attorneys at The McIntyre Law Firm Today!
When a natural catastrophe occurs, The McIntyre Law Firm is here to help. If your property has been devalued as a result of flood damage, hurricane damage, fire damage, or any other natural disaster, our attorneys will seek compensation for you. This means we are prepared to undertake the effort required in claims negotiations so you don’t have to worry about anything else during these trying times. After all, getting the financial assistance you need should not be more difficult than dealing with the flood itself. With our firm’s assistance, you can concentrate on receiving what you deserve. Give us a call at 239.935.8426 to see what our Fort Myers insurance attorneys at The McIntyre Law Firm can do to help you.