Texas Water & Flood Damage Insurance Claims
Recovering & Rebuilding After Sudden Disasters
Water damage is devastating. After a home or a business suffers a flood or other type of water damage, they’ll be forced to pay for extensive repairs. The structure of the building may be compromised by the water, or the water may seep into cracks in the building and create mold. The base of the structure may have been made unstable by the moisture, not to mention the valuables and furniture destroyed.
When disaster strikes, insurance companies readjust their policies in order to make it more difficult for people to get what they’ve been promised. We’d be bitterly surprised if we understood how little coverage our water damage policy would actually get us. In our most desperate circumstances, insurance companies use poor documentation and unfair adjustment policies to downplay the need for relief.
At Arnold & Itkin, we hold insurance companies to their promises. After extensive water damage, your property could need new flooring, new walls, and mold removal—all of which are costly. To increase the odds of getting all of your damages covered, contact our firm.
Water & Flood Damage Insurance Claim FAQ
What’s The Difference Between Water & Flood Damage, & What Does It Have To Do With My Insurance Claim?
Generally speaking, a standard water damage claim involves damage to a residential or commercial property that was caused by water—not a natural disaster like a flood. A plumbing issue, leak, or rain could cause serious damage that would be covered by your insurance policy. Flood damage, however, would need to be covered by the National Flood Insurance Program. Understanding the difference can help you find out whether your damage is covered and what you can do to get your property restored.
I’m Having Trouble Getting My Water/Flood Damage Claim Paid. What Can I Do?
If you filed an insurance claim for flood damage or any type of water damage, you may not immediately think of hiring an attorney. If you’re experiencing constant delays or feel like you’re getting the runaround, however, you could be dealing with bad faith practices by the insurance company. The same may apply if your claim was denied outright or you were offered a settlement that doesn’t even begin to cover the full extent of damage to your home or business. In the face of delays, denials, or lowball settlement offers, you can turn to our team at Arnold & Itkin for experienced insight. We offer a free initial consultation to see how we can help.
What Is My Flood or Water Damage Claim Worth?
The value of your claim will depend on the extent of damage and what your insurance policy covers. By carefully reviewing your policy, we can determine what should be covered and can pursue the full extent of compensation to which you’re entitled. If you’ve been subjected to bad faith practices by your insurance provider, we may be able to recover the full value of your claim, plus additional damages. The goal will be to return your property and financial situation to where they were before the flood or water damage.
Protect Yourself & Your Home
Keep in mind that very few commercial property insurance policies (and no home insurance policies) cover flooding. For homeowners, flooding is only covered under the National Flood Insurance Program. Remember, however, that not all water damage is from flooding, even when a flood hits your neighborhood. Distinguishing flood damage from water damage is part of what we do.
Additionally, you need to get a copy of your insurance policies today and become familiar with your water damage and flood coverage. If you have taken pains as a property owner to make sure that you have the necessary coverage in the event of a flood, but your insurance company is delaying or minimizing your payout, our team can put a stop to that. Our firm can root out any bad faith practices committed by your insurer, helping you claim every cent you need to rebuild. It's how we've helped thousands of others in your position.
No matter the damage caused by a flood or water after a hurricane, it is important to call a Texas insurance claim attorney as soon as possible. While most property damage policies exclude flood damage, you may be able to recover financial relief due to water damage with our help.
Call (888) 493-1629 or contact us online to hear about your options and how we can fight for the financial relief you need.