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 McIntyre & Bermudez, PLLC, 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.
Flood Damage Claims
During serious flooding, property in the direct path of the water flow can be left completely destroyed or unrecognizable. This makes the event not only personally devastating but also quite costly to recover from. As such, it will take a lot of time and effort to restore your home and belongings to their prior state. Think about everything that will need to be repaired or even completely replaced: vehicles, windows, electronics, roofs, and sometimes even entire building structures. Not to mention sentimental personal belongings such as books, photos, or artwork.
Our Florida attorneys understand how difficult it is to put a numeric value on your home, property, or cherished belongings after they have been destroyed by water. Many of these things are likely invaluable to you. We also recognize that simply filing an insurance claim and (hopefully) obtaining a settlement won’t be enough to bring those things back. However, it should at least get you back up on your feet financially and allow you to work towards rebuilding your life and your future.
Unfortunately, as anyone who deals with insurance companies knows, you can’t always rely on them to pay you what you are entitled to. It is all too common for insurers to pay out as little as possible or to deny claims altogether. Dealing with these insurance adjusters can be extremely stressful, especially if your flood damage claim is refused. That’s where we come in. At McIntyre & Bermudez, PLLC, our insurance claims attorneys have experience assisting clients at all phases of the claims process, from those who haven’t filed a claim yet to those who are suffering severe delays or unjust treatment from their insurance providers.
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 McIntyre & Bermudez, PLLC Today!
When a natural catastrophe occurs, McIntyre & Bermudez, PLLC 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 McIntyre & Bermudez, PLLC can do to help you.