Experienced Water Damage Insurance Claims Attorney

When you file a water damage insurance claim with your insurance company, the insurance adjuster will be sent out to your home or business to assess the damages. Often, these assessments do not reflect the true extent of the water damage, and they are done with your least possible payout in mind. When Long & Long is on your case, we conduct our own expert investigation to provide as evidence to the insurance company that you deserve more.

You have the right to a fair settlement, and insurance companies will seek to deny you that right by offering to underpay for your claim. They know you are needing compensation for your damages as soon as possible, so they expect you to accept less than what your claim is worth. Let our team of dedicated insurance claims attorneys handle all the negotiations while you and your family focus on recovering from this disaster.

If your insurance company is not willing to offer a fair settlement through negotiations, we are willing to fight tirelessly for you in court to maximize your claim.

Our attorneys know that there is no time to waste in these situations. You have to pay for costly repairs, replace broken or damaged appliances, maybe even hire pest control or mold removal services to deal with the effects of the water damage. That is why we don’t stop until the check gets to you, and you don’t owe a thing unless we win. Contact us today, and let’s begin rebuilding together.

Unfortunately, water damage can be a bit more impactful than you might think. Discoloration on walls and ceilings is just the beginning. Water damage can allow for the growth of mildew and mold, the latter of which can be dangerous to your health. It can also attract pests like termites. Structural damage may also occur. Depending on the extent of the water damage, the integrity of your home as a whole could be compromised. That’s why it’s so important to hire a competent water damage insurance claims attorney.

Strictly speaking, flood damage and water damage fall under two different types of coverage. Water damage coverage is fairly typical in the average homeowners policy, while flood damage is something extra and usually requires a separate policy. In order to qualify as flood damage, at least 2 acres of land that’s normally dry has to be submerged in water, or two or more adjacent properties.

Sewer and drain backups can cause extensive water damage, and these backups are often covered in many homeowners insurance policies. Make sure to read through your policy to determine where you stand on the matter, and consult with an insurance claims attorney to determine how your claim should be presented to the insurance company.

Broken appliances like dishwashers or washing machines can cause significant water damage if they malfunction. Fortunately, this is often covered under most homeowners insurance policies. There are conditions, however, as the appliance must actually be broken rather than just installed incorrectly.

At Long & Long, we won’t charge you a penny until the carrier pays a settlement. Because of that, you can always count on us to fight for your best interests.

Just about every homeowners insurance policy contains exceptions for wear and tear damage. Essentially, insurers expect you to keep up with that kind of damage yourself and take the proper precautions. Regular maintenance on your home is a great way to stay prepared.

Flood damage is treated as something separate from general water damage for insurance companies. Your typical homeowners insurance policy will likely contain coverage for water damage, but flood insurance will have to be purchased separately. There are specific rules for what qualifies as flood damage, so be sure to consult with a lawyer if an insurer denies you compensation on those grounds.