Miami Denied Flood Claims
Fighting to Appeal Wrongfully Denied Insurance Claims
Flood insurance is a type of property damage coverage most Florida property owners are likely familiar with. From thunderstorms to hurricanes and everything in between, our state is one of the most flood-prone in the U.S. Yet, what if your insurance company claims not to cover property damage caused by a flood and denies your claim?
Once an insurance company has denied a claim, they tend to view it as a closed case. Luckily, you don’t have to. Your next step should you choose to fight back is consulting with a law firm in your area that focuses on denied flood insurance claims.
The Property Advocates, P.A. is just that firm. Our experienced team of Miami denied flood claims attorneys works together exclusively on insurance matters—in fact, many members of our team were employed in the insurance industry before joining our firm, so we know how these companies work. With our collaborative and innovative approach to appealing denied insurance claims, we believe that we possess the abilities and determination necessary to help you obtain the coverage and compensation you need to repair your property after a flood.
Why Wouldn’t My Insurance Cover Flood Damage?
Unfortunately, flood insurance is generally entirely separate from homeowners or business insurance. Even though most home and commercial insurance policies cover water damage this customarily excludes damage specifically related to flooding. Review your policy to determine whether your policy includes flood coverage if you aren’t sure.
If you don’t have flood insurance, property owners can purchase flood insurance through the National Flood Insurance Program (NFIP). You can also inquire with your insurance company to see if you have the option of adding flood coverage to your policy.
If your insurance policy doesn’t cover flood damage and your property has already been damaged, there may be nothing you can do. However, if your policy does include flood insurance coverage and yet your claims adjuster suggests otherwise, you may be able to take legal action. Denying a policyholder benefits they are rightfully owed is against the law. Fortunately, with legal help you can fight back.
Unfortunately, seeking legal help is often your only viable option after an insurance company denies your claim. Though you may be reluctant to take legal action, one of the best ways to get a handle on your situation and options is to discuss your case with a local lawyer during a free consultation.
Here at The Property Advocates, P.A. our focus is strictly on Florida property insurance claims and ensuring policyholders get what they paid for. We’ve been doing this for decades, so if you are considering your next move, we recommend giving us a call. We will listen to the facts of your situation and provide feedback on what you can do and how we can help. There’s no obligation involved, so if you eventually decide not to take legal action, we won’t hold it against you. Our legal counsel is available for all who need it.
If you do decide you would like us to take your case, our firm’s first step is to evaluate your situation and get our team of denied flood claims lawyer to begin devising legal strategies and collect evidence on your behalf. One of our attorneys will make contact with the insurance company to demand a fair settlement offer using our estimator’s damage report. Aggressive negotiations will then take place, and if necessary, we will go to court to fight for what you deserve.