Fort Lauderdale Water Damage Lawyer

Filing a Claim

One of the most common issues is water damage from a broken pipe or a severe storm. If you live in Florida, you’re all too familiar with the latter.

If you do find yourself in this situation, there are a few things you can do to make the process go as smoothly as possible.

First, take photos or videos of the damage. This will help document what needs to be repaired or replaced.

Second, make a list of all the damaged items, including their value. This will give your insurance company an idea of the extent of the damage.

Finally, don’t try to repair the damage yourself; leave it to the professionals. Following these steps can help ensure that your insurance claim is processed quickly and efficiently.

Water Damage FAQs

What water damage is commonly excluded from Florida homeowners policies?

Some common water damage insurance policy exclusions in Florida can include damage caused by flooding, sewer backup, and gradual water damage. It is important for homeowners to carefully review their policy and understand the specific coverage and exclusions.

What if my water damage claim is denied or underpaid?

If a water damage insurance claim is denied or underpaid, homeowners in Florida have several options to dispute the decision, including disputing the decision with your insurer, filing a complaint with the Florida Department of Financial Services, or hiring an attorney to help with the claim. We can review the denial and your policy for free.

What damages can I recover in a water damage claim?

In a water damage claim, you may recover damages for property repairs, replacement of damaged items, and additional living expenses if you cannot stay in your home during repairs. An experienced claims processing law firm such as The Bald Injury Lawyers can help you determine the types of damages you may be able to recover.

How long do I have to report a water damage claim in Florida?

For losses on or after December 16, 2022, you must give your insurer notice of a new or reopened claim within one year of the date of loss, and a supplemental claim within 18 months (Fla. Stat. § 627.70132). Your insurer must acknowledge the claim within 7 days, inspect within 30 days, and pay or deny within 60 days (Fla. Stat. § 627.70131). A lawsuit must be preceded by a 10-business-day presuit notice (Fla. Stat. § 627.70152).