Flood Damage Insurance Claims
When floodwaters invade your home, the aftermath can be devastating. Flood damage can ruin your property and leave you with significant financial burdens. We understand the frustration and stress that come with dealing with insurance companies after such a disaster. Our flood damage lawyers are here to help you ensure that you get a fair settlement from your insurance company.
Insurance companies often find reasons to deny flood insurance claims. However, an initially denied property claim does not always mean that you cannot get a settlement. This is where we at Stockham Law Group, P.A., come in. We work diligently to ensure that insurance companies follow the law and that you receive the coverage you paid for.
With offices in Tampa and Fort Lauderdale, Florida, and Houston, Texas, we help policyowners fight wrongly denied or unfairly delayed property insurance claims of all kinds in Florida and around the country. Contact us online or call 877-976-9412 to speak to one of our attorneys.
What Is Flood Damage?
Flood damage is a specific type of property damage that insurance companies often narrowly define. Typically, flood damage is considered to be damage resulting directly from a flood, not water damage from natural disasters or storms. According to the National Flood Insurance Program, a flood is defined as “a complete or partial inundation of two or more acres of dried land area or two or more properties.” This definition includes:
- Tidal waters flowing inland
- Overflow of inland waters
- Mudflow
- Loss of shoreline property as a result of erosion
It is important to understand these definitions when filing a flood insurance claim. Water damage from other sources, such as a broken pipe or a leaky roof, is generally not covered by your flood insurance – but it could be covered by other types of insurance. For more information on storm-related water damage, please visit our Hurricane/Tropical Storm Damage page.
How We Help With Flood Damage Insurance Claims
At Stockham Law Group, our flood damage lawyers assist property owners in securing fair settlements from their insurance companies. We understand that the process of filing a flood damage claim can be complicated and frustrating, especially when you are dealing with the aftermath of a flood. Our experienced legal team is here to guide you through each step, ensuring that your claim is handled properly.
We can help with:
- Reviewing your insurance policy to understand your coverage
- Documenting and assessing the extent of your property damage
- Filing your flood damage claim accurately and promptly
- Negotiating with the insurance company on your behalf
- Representing you in court, if necessary
Our goal is to make sure you receive the full amount in compensation you are entitled to under your policy.
Frequently Asked Questions About Flood Insurance Claims
Here are some answers to common questions we receive about property damage claims involving flooding:
What is considered a flood in Florida?
In Florida, a flood is considered to be “a complete or partial inundation of two or more acres of dried land area or two or more properties.” This includes tidal waters flowing inland, overflow of inland waters, mudflow and loss of shoreline property due to erosion. Understanding this definition is crucial when filing a flood damage claim. Other types of water damage do not count as a flood.
How do you file a flood damage claim in Florida?
To file a flood damage claim in Florida, start by contacting your insurance company as soon as possible after the flood. Document all damage with photos and keep records of any repairs or expenses. Submit a written claim detailing the extent of the damage.
What should you do if your flood damage claim has been denied?
If your flood damage claim has been denied, it is important not to give up. Review the denial letter carefully to understand the reasons for the denial. Contact our flood damage attorneys to discuss your options. We can help you appeal the denial and work to get your claim approved.
Contact Us Today To Discuss Your Claim
If you have experienced flood damage and are struggling with your insurance company, do not hesitate to reach out to Stockham Law Group. We are here to help you get the insurance benefits you paid for. Contact our flood damage lawyers today at 877-976-9412 or use our online contact form to discuss your case and learn how we can assist you.