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Water damage is the second most common insurance claim in Florida.
However, it’s common for insurance companies to deny or undervalue homeowners’ claims.
As a personal injury lawyer in Tampa, we help our clients get the compensation they deserve for their daño a la propiedad.
A successful case starts with proper claim handling.
In this blog, we cover:
- Three critical steps to follow when filing a water damage insurance claim.
- Five common reasons water damage claims are denied in Florida.
Three Critical Steps to Follow When Filing a Water Damage Insurance Claim
- Document everything.
When you notice water damage, document it.
Take clear pictures and videos of the affected area, including close-ups of damaged items.
You want to show the extent of the damage in your home or on your property.
Your notes are also an integral piece of the documentation process. Keep track of the damaged goods, the purchase dates, and the estimated values.
The records you keep can help if you find yourself in a dispute with the insurance company.
- Understand your policy.
The situation and source are determining factors of your water damage coverage.
If it’s sudden, accidental, or comes from inside your house, your standard homeowner’s insurance policy could protect you.
Now is a good time to review your policy carefully to understand:
- What’s covered, and what’s excluded?
- Is mold remediation included?
- Do you have Additional Living Expenses?
- What’s your deductible?
- Quickly take action.
As the homeowner, you must prevent additional damage.
As soon as you discover the damage, take the following steps immediately:
- Shut off the water if possible.
- Remove standing water.
- Dry the affected area.
- Protect undamaged property.
Keep your receipts for any emergency repairs or mitigation services.
These could be reimbursable expenses.
Common Reasons Water Damage Claims are Denied in Florida
Florida insurers aren’t quick to accept water damage claims. Here are five of the most common reasons for denial:
- “Pre-existing damage” – When damage allegedly happens before policy coverage.
- “Lack of maintenance” – Arguing that homeowner negligence caused the damage.
- “Flood exclusion” – Damages caused by rising water rather than a plumbing issue.
- “Late action” – When claims are filed within the policy’s specified timeframe.
- “Concurrent cause” – Multiple contributing factors.
As a personal injury lawyer in Tampa, our team is here to help you get the compensation you deserve. Schedule your consulta gratis hoy.
