Water Damage

When your business or commercial property has been damaged by water, the consequences can be devastating. The cleanup required can be extensive too, and even after that is completed you will likely be faced with the need to repair or replace whatever has been damaged. As an insurance policyholder in Florida or Texas, you will expect your insurer to honor the coverage you have paid for over the life of the policy. When your insurer delays, denies, or acts in any other kind of irresponsible manner, it can add further stress to an already difficult situation.

At Schirmer Law, we have seen this happen to many clients over the years. The scenarios are all too familiar to our experienced team when insurers make the claims process tedious, difficult, or unfair. Our firm can help you put together a comprehensive claim as well as fight for the compensation to which you are entitled when your insurer attempts to avoid the payout you are owed. Our success in this field is reflected by the many repeat clients in Fort Lauderdale and Houston who have returned to us for counsel with issues surrounding large-scale property damage claims.

Common Causes of Water Damage

Water damage is a common problem in commercial properties that can lead to property damage claims.

Water damage can occur in a variety of ways, including:

What is Accidental Discharge of Water?

“Sudden or accidental discharge” of water is a common term used in business owner insurance policies that provide water damage coverage. This generally means that the water damage was caused by a sudden event, such as:

• Burst pipe
• Ruptured water heater
• Hose failure on your washing machine

This type of coverage will generally compensate for the damage caused by these system failures but it won’t pay for the replacement of whatever appliance or system failed.

Note: Water damage is differentiated from flood damage. Flooding requires a separate policy devoted strictly to floods.

Why You Need Schirmer Law

Insurance companies are corporations devoted to protecting their profitability and thus will generally try to pay you as little as possible or not at all. They have various tactics they may use to avoid liability, and going up against a powerful insurer can be intimidating. If your claim has been denied or undervalued, you need the services of a legal team experienced in handling insurance companies. Our Fort Lauderdale and Houston firms are concentrated on property insurance-related matters and have built a strong reputation for results. If you need help evaluating your damage, submitting your claim, or disputing the negative responses from your insurer, we can help you fight back.