Understanding Water Damage Insurance Coverage
When your home is destroyed by a natural disaster or external force, it can lead to devastating property damage. Did you know that water damage is one of the most common types of property damage claims homeowners face in Texas and Florida? Water damage claims affect 1 in 50 homeowners every year. After the damage has been done and you are looking to file a claim, you may be wondering if your home owner’s insurance policy covers the damages. As a homeowner, it is crucial to take specific measures before filing a claim to ensure you get the coverage you need for the damages.
Our Fort Lauderdale and Houston property damage lawyers explain the steps to take before filing a water damage claim.
Determine the Source of Water Damage
Take action, and determine the source of water; it is essential to try to find the source and stop it from flowing or future damage. If left untreated, it can cause severe conditions such as mold infestation and other devastating losses to your property. Water damage can occur in a variety of ways:
- Broken pipes.
- Sewer backup.
- Roof leaks.
- Coastal flooding.
After the damage is done, preserve the evidence by documenting it with photographs and videos. Water damage is more than a simple leaky faucet; it could ruin your home’s structure, landscape, and items.
Review Your Homeowner’s Insurance Policy
The good news is most homeowners’ insurance covers some types of water damage, but not all of them. If your home suffers this type of damage, it’s vital to be aware of your policy and evaluate your damages.
Water damage that is considered sudden or accidental discharge is usually covered; this can include:
- Bursting pipes.
- Water damage from roof leaks.
- Accidental leaks.
Water damage that is not often covered by homeowner’s insurance is:
- Coastal flooding.
- Flood damage.
- Water damage from lack of maintenance in the home.
Contact a Fort Lauderdale or Houston Water Damage Claim Lawyer
Schirmer Law provides legal services to Florida and Texas homeowners and business owners who own an insurance policy covering accident property losses. It is essential to speak with a skilled property damage attorney that understands the insurance claim handling process. If you filed a water damage claim, denied it, or believe it was undervalued, we can assist you. Let us help you secure the financial recovery you deserve from your insurer.