Flood Insurance Lawyer – Floods are devastating events that can cause lasting pain and suffering. Residents are often forced to flee their homes, only to return to damaged properties, lost memories, and piles of expensive property damage bills.
When things are at their worst, the last thing flood damage victims need to worry about is the unreasonably complicated flood process. By hiring an experienced flood insurance attorney, you can ensure that your claim is filed correctly and without additional stress for you and your loved ones.
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At Insurance Claims Headquarters, we know firsthand how floods and other natural disasters affect our community, and we are committed to protecting those who suffer. Our team of experienced attorneys are ready to help you get the answers you need for your flood insurance claims, protect your rights and get the compensation you deserve.
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In this article, we’ll cover what makes flood insurance claims deceptively complex and how an experienced attorney can help improve your chances of a fair settlement.
Flood insurance can be a lot more complicated than you think. There are many pitfalls and pitfalls that an inexperienced claim victim can fall into, which can lead to financial difficulties and distress.
For starters, the vast majority of standard homeowners insurance policies do not include flood coverage. In most cases, homeowners who live in a participating community purchase separate flood insurance through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). Many private insurers also offer their own separate flood insurance plans.
Unfortunately, some insurance companies will not mention the lack of flood insurance until it is too late, leaving homeowners to believe that water damage insurance includes flood insurance.
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Depending on the severity of the flood, victims may not even be able to return home and assess the damage for days or weeks after the event – which could lead to rushed work and filing errors. This makes an experienced attorney even more valuable.
Flood damage can be extensive, resulting in sewer backups, floor to roof damage, and the loss of precious memories. With so much at stake, you shouldn’t leave your flood insurance claim to chance.
By hiring a flood insurance attorney to assist you in defending your claim, you will gain access to many benefits that can take the stress and burden off of you and your loved ones.
When purchasing a homeowner’s insurance policy, your insurance agent may not mention that flood insurance is not included in your coverage. After a flood strikes, an attorney can work with you to carefully review your policy to better understand your rights and coverage.
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They can help translate the legalities of your policy to help you understand what is and isn’t covered by explaining the difference in coverage between water damage and flood damage.
The National Flood Insurance Program is a collaboration between FEMA and private insurers to provide flood insurance for at-risk communities. This program is designed to help those at increased risk of flood damage recover from a natural disaster.
However, this system can be complex and involve navigating through government boards. An experienced attorney will know the deadlines and requirements for filing a claim through the NFIP and can help you file successfully and on time without added stress.
To increase your chances of success, you need to collect as much evidence as possible. Your attorney will help you understand which evidence is most valuable, as well as understand what the evidence means to your case.
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Once you have collected and provided all your evidence to your solicitor, they can use this to accurately estimate the value of your claim. The more evidence you have to support your claim, the greater your chances of getting fair compensation.
On the other hand, if you do not have good documentation, the insurance provider is likely to argue that you are overestimating your compensation and deny your claim, even if the estimate is correct and you 100% true.
Flood insurance claims often have very short deadlines for filing. If you wait too long, the insurance provider will likely deny your claim on the grounds that the delay has prevented them from carrying out a full investigation.
While it is important to notify your insurance promptly after the damage has occurred, and to work in a timely and inefficient manner, the added stress and time pressure can sometimes lead to claims making small but expensive mistakes.
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Flood claims can also involve complex documents that are difficult for the inexperienced to understand. A lawyer can help translate these documents, file them correctly and help you understand their purpose.
Here’s the unfortunate truth: Insurance companies are often all too eager to take advantage of unwitting, inexperienced and desperate claimants struggling with complex and expensive insurance claims.
Remember, the insurance company is more interested in paddling their bottom line than helping you get better. They rely on you to accept an unfair initial settlement offer, which reduces your chances of further compensation.
Don’t let your insurance company take advantage of you and your loved ones. hire an attorney who can fight for you and your best interests.
Does Homeowner’s Insurance Cover Natural Disasters?
We have seen the impact that floods and natural disasters have on the Gulf community and the people of Louisiana. That’s why our team of experienced flood insurance attorneys is dedicated to protecting victims of unfair insurance company practices.
At Insurance Claims Headquarters, our law firm is committed to fighting for your rights when you need it most, building a safe and trusted attorney client relationship, and working to get you the fair compensation you deserve.
If you or a loved one have suffered flood damage and need legal representation, contact Insurance Claim Headquarters today or call us 24/7 at 844-587-8395 to schedule your free consultation.
The content provided here is for informational purposes only and should not be construed as legal advice on any matter.
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If your insurance company is fighting you, don’t give up on your flood damage. You should speak with a flood insurance attorney to review possible legal remedies to get the compensation you deserve.
Most flood insurance policies cover direct damage to buildings and personal property due to flooding. What caused the damage and its extent can be disputed with the insurance company. There may also be questions about whether your homeowner’s insurance policy or flood insurance should cover the damage.
Determining What Caused the Damage – Flood vs. For example, homeowner’s policies usually pay for you to live elsewhere while contractors repair your home. Flood insurance usually does not provide loss of use cover.
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Flooding can cause terrible damage to your home and prompt you to make a claim. Devastating floods can cause structural damage to the property, making immediate insurance essential.
In severe cases, flood damage can damage the structural integrity of the home making it unlivable. The house may have to be demolished and rebuilt.
If the insurance company drags its feet in paying your compensation, you can fight for the coverage you are owed by taking legal action.
South Louisiana experiences a lot of severe weather, including heavy rains and tornadoes. This can lead to severe flooding conditions that can destroy your home or commercial property. Water damage can encourage mold growth, which is dangerous to human health.
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In some cases, excessive mold growth can even be life threatening. But getting rid of a lot of mold in hard to reach areas is expensive and can be a challenge to cover.
Also, insurance companies can delay coverage after a flood, which can lead to mold growth. If this happens, you can take legal action.
If a flood damages your home, you need to apply for flood insurance. This process involves having a professional inspect the home to determine how bad the damage is and what repairs will cost.
After the adjuster determines the extent of the damage and pays the claim, the restoration process begins. Repairing a flood-damaged house usually involves these steps:
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If the insurance company does not pay the full amount to repair the house to its pre-incident condition, you will have to take legal action. Once you have paid for a flood insurance policy, you should not worry about getting all the coverage you paid for.
When you’re recovering from a catastrophic flood, the last thing you want is an insurance company dispute. As you restore your property, you need money you thought you were entitled to
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