Flood Damage Claims

Miami Homeowners’ Insurance Attorney

If a hurricane rolling over Miami does not directly damage your home, the torrential storms and rainwater it brings can. Flooding is a serious concern for Miami residents and many people have made the conscious decision to add flood damage to their homeowners’ insurance policies. Imagine their surprise when they file a claim after flooding has damaged their home, only to be denied by their insurance carrier or offered thousands less than what they need to make repairs.

At Cohen Law, our Miami homeowners’ insurance lawyers are staunch defenders of the peoples’ rights to fair recoveries. Our team is comprised of Florida natives, long-time residents, and alumni of some of Florida’s top universities, so we fully understand how damaging floodwaters and hurricanes can be to property, and how frustrating it can be to find out that your insurance provider is using bad faith to try to save a dollar.

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Filing Your Flood Damage Claim

In any homeowners’ insurance claim, it is important to back up your statements with corresponding photographic evidence. For a flood damage claim, remember that water will seep into every nook and cranny it can find. You must be thorough and detail-oriented when taking pictures throughout your property to show what has been damaged by the floodwaters and to what extent.

Locations and items to be sure to photograph include:

  • Flooring
  • Walls, top to bottom
  • Ruined furniture & electronics
  • Condition of cellar, if applicable

If it is safe to do so, use a yardstick or other recognizable item, set it into the water in your home, and photograph it. This picture will show clearly to your insurance company just how high the water rose. Remember: never enter a situation that could be dangerous or hazardous to your health.

Additionally, if you suspect that a burst pipe could be to blame, you will need more evidence for your claim. Collect records of plumbing work concluded recently and snap pictures of the damaged pipework. Although a plumbing leak is likely to not technically be categorized as flood damage, the procedures to follow to file your claim are similar.

Time to Hold Your Insurance Provider Accountable

By paying your monthly premiums and adhering to the initial agreements, you have held up your end of the contract you created with your insurance provider. It is only right that they honor their promises as well. Call 305.770.6838 to connect with our Miami homeowners’ insurance attorneys at Cohen Law. We can point you in the right direction during a free consultation that reviews your case.