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.
What else sets Cohen Law apart from other firms?
Get the personalized attention your case needs.
Contact our firm today.
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
Locations and items to be sure to photograph include:
- 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.