Flooding can cause a great deal of damage to your property, including leading to the destruction of appliances, walls and carpeting. It can be a result of hurricanes, excessive rainfall or broken water mains.
The Law Offices of Michael B. Brehne, P.A., in Orlando is knowledgeable about how to advise home and business owners about the best ways to resolve insurance coverage disputes over flood and water damage.
Not many Central 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, because the insurance policies of homeowners and business owners do not expressly cover flood damage, many property insurers often deny claims for water damage by simply claiming the damage was due to flood. Water damage covered by your homeowner or businessowner’s policy generally refers to the damage to your insured structure resulting from the water but will not cover the source of the outflow of water.
Orlando Flood Insurance Claim Attorney
Protecting the Insured’s Interest in Payment on Disputed Flood Loss Claims
At Michael Brehne’s law firm in Central Florida, we understand how difficult it can be to put your life back together after your home has been damaged by a flood. 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. 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.
Aside from representing your flood insurance claims, this Orlando insurance claim lawyer can also act as your Orlando fire insurance claim attorney and your Orlando hurricane claim insurance lawyer.
If you or a family member has been injured or your property has been damaged, you may be able to collect money damages for your pain or loss. Please call The Law Offices of Michael B. Brehne, P.A., in Orlando at 407-265-2195 to schedule a free consultation to discuss your rights and legal options. You can also contact us online. We are available 24 hours a day and have off-site appointments.
