Insurance Claims After Water Damage

Morgan Law Group

Insurance claims related to water damages, such as pipe bursts or leaking roofs — can be complex. The cause and extent of water damage may be very clear to you, but you may find that your insurance company denies your insurance claim or offers a lower amount in settlement of your claim.

If rain penetrates your roof and damages the interior of your home, the insurance company might seek to deny your claim, alleging that it is not covered by the insurance policy. An experienced insurance claims attorney can often build an argument that the policy covers the damaged interior, even though the intrusion of water may have been due to an uncovered loss.

If you discover that you have a long-term leak, one that may have been hidden behind cabinets or covered by walls and flooring, you potentially may be denied by the insurance company based upon it being a pre-existing condition or did not bring the problem to their attention soon enough.  Further, ongoing water damage could cause additional problems in the form of mold, which may cause respitory problems for you if not remediated appropriately. An insurance claims lawyer can craft a case on your behalf that you could not have known of the damage — and require the insurance company to pay.

The Law Firm of Morgan Law Group — A Record of Success Representing Policyholders in Water Damage Claims

The professional law firm of Morgan Law Group, located in South Miami, Florida, is one of only a small handful of South Florida law firms with a legal practice focusing on bad faith insurance claims, including those relating to water damage claims in residential or business properties. We represent homeowners, business property owners, and condominium associations.

We handle insurance claim cases on a contingency fee basis. This means that we do not accept attorneys’ fees up front, nor do we require our clients to pay in advance for the teams of experts that are often necessary in water damage cases. We do not accept payment unless and until you receive a check from the insurance company.

Is an Appraisal in Your Best Interest?

If you disagree with your insurance company about the amount offered in settlement of your water damage claim, you have the legal right to get an appraisal of the damage. You should seek legal advice about your claim before choosing an appraisal, however.

If you choose appraisal, you lose your right to a jury trial in a lawsuit against your insurance company for breach of contract. In some cases, an appraisal may be the best option, but talk to an experienced lawyer before making the decision.

Contact Our Office Today

If you are seeking legal representation from insurance claim lawyers with a firm grasp of all applicable laws, we invite you to contact our office to schedule a free and confidential appointment. Call us at 305-569-9900. Or, send us an e-mail for a prompt response.