In South Florida, most of us are very attuned to water and the damage it can do. With our history of hurricane activity, most of us understand how we need to protect our homes and what kind of losses we can suffer as a result of rising water.
Many geographic areas in South Florida are in designated flood zones which may be more prone to flooding. These homeowners should have special insurance policy for rising water from flooding events since flooding is not covered by a standard homeowners policy. But what happens if you experience a leak in your home? Or when you have water damage that is caused by wind and rain instead of rising water?
Water Leaks Inside the Home
If you have ever had a water leak in your home, you know what it can do to your home structure and personal items. In most cases, your homeowner’s policy will cover for these instances. Some common causes of water damage are
- Faulty or burst pipes
- Water heater malfunction
- Roofing leaks
- Toilet leaks
- Washing machine leaks
- Leaking air conditioning unit
- Sewer backups
Always Read Your Policy
You will want to read your policy closely to understand its limits. It is in your best interest after a leak to take certain measures in order to mitigate damage and for it not to negatively impact a claim. Failing to take action can make it look like you contributed to losses. Do what you can to remove any standing water and dry out the wet areas. However, you don’t want to make any significant repairs until your speak with your insurance adjuster.
Wind and Driving Rain
As for wind and driving rain, most homeowners insurance policies have an exclusion that may exclude entirely or limit coverage when it comes to damage due to wind and driving rain. It is important to understand the limits of your policy under these circumstances.
Are You Being Treated Fairly?
As Miami property damage lawyers, we have seen homeowners get the runaround by their insurance companies after a water leak. The insurance company may try to interpret the damages as caused by something that is not covered under the policy. In many cases, they do this so they will not have to pay a claim.
Insurance companies are very profitable businesses. Unfortunately, that is often in direct opposition to taking care of the needs of their insured. When an insurance company pays a claim, it eats away at their profits. Consequently, many insurance companies will unfairly deny a claim or underpay what it is really worth.
Get Professional Advice
If you find that you are being treated unfairly by your insurance company after a water damage claim, you may need the assistance of a professional. At Korin Law, P.A., we have represented hundreds of homeowners over our years in practice against insurance companies acting in bad faith. Call our team of insurance claim lawyers in Miami to understand your rights under fair insurance laws.