Protecting the Insured’s Interest in Payment on Disputed Flood Loss Claims
The Law Offices of Michael B. Brehne, P.A., advises home and business owners about the best ways to resolve insurance coverage disputes over flood and water damage. Contact us in Altamonte Springs to learn about your legal options in Greater Orlando and Central Florida.
Not many Florida homeowners are expressly covered for flood losses, but most water damage does not result from flooding within the strict meaning of insurance policy language. The major risks of water damage after a period of heavy rain tend mainly to involve reservoir overflow unrelated to stream levels, leaking roofs or foundations, seal failure around windows, and oversaturation of adjacent soils. Nevertheless, many property insurers will deny coverage because of specific policy exclusions for flood damage.
Call (407) 645-2195 for Advice About Property Loss Claims and Coverage Disputes
Our attorneys are familiar with the standard policy language, riders and exclusions in home and business owners’ insurance, and we know how to investigate and overcome an insurer’s resistance to settling water damage claims.
In some cases, insurers will even sell policies that are inconsistent with the requirements of Florida law. We know how to spot illegal exclusions on the face of an insurance policy, and our lawyers can also rebut the insurer’s rejection of water damage losses in the guise of flood claims. Additionally, we can advise you about the possibility of a lawsuit based on bad faith insurance practices.
The difference between a flood that is properly excluded from coverage and water or storm damage that supports a right to payment can be highly technical, but our law firm knows how to present the facts that favor coverage. For additional information about our experience with the resolution of disputes on the issue, contact The Law Offices of Michael B. Brehne, P.A., for a free consultation.
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