Kissimmee Flood Attorney
Water damage can devastate a home in a matter of hours, especially if the water carried in mud, toxic chemicals, and debris. Flood damage can easily cost tens of thousands of dollars to repair, as many of your home appliances, personal belongings, carpet, flooring, walls, and paint will be destroyed by the water. And, to make matters worse, Florida insurers often deny homeowners any coverage due to the fact that a typical policy does not cover “flood” damage. Even if your water damage was not caused by flooding, an insurer will deny your claim and argue that the damage was caused by flood, even if it was obviously caused by a broken pipe. Do not give up hope; we can help. The Kissimmee flood attorneys with the Salazar & Kelly Law Group, P.A. will aggressively pursue the damages that you are rightly owed. Do not let your insurance company’s greed bankrupt you and your family. Fight back with a proven attorney today.
What Does Florida Law Call a Flood?
Most insurance companies do not cover flood damage, and will argue that whatever water damage your home has suffered was caused by a “flood,” as defined in Florida law, which they do not have to pay you for. According to Florida’s Division of Consumer Affairs, a “flood” is a temporary and partial or complete inundation of two or more acres of land that is normally dry, or an inundation of two or more properties, and at least one of those properties is the policyholder’s. This inundation is caused by:
- Overflow of inland or tidal waters,
- Unusual and rapid accumulation or runoff of surface waters from any source (including a hurricane),
- Mud slide, or
- The collapse of land along a body of water.
I Have Flood Insurance and My Insurer is Still Denying Coverage
As a homeowner, you can purchase flood insurance through the National Flood Insurance Program (NFIP), as private insurers typically do not offer true flood insurance. If you have been denied coverage of your flooding damage because the NFIP refuses to acknowledge your flood damage as having been caused by their definition of a “flood,” an attorney can help. Typical arguments used on the insurer’s behalf include that the flooding did not affect two acres of land or two or more properties. A professional Kissimmee flood lawyer will help prove beyond a reasonable doubt that the flooding fits the definition of a flood, and hold your insurer accountable for the damages that they are responsible for.
Contact Us Today for Immediate Legal Flood Assistance
If you have been denied flood coverage, your insurer is dragging its feet in responding to your claim, are undervaluing your damages, or insisting that they are not responsible for covering the damages for some other reason, you need to speak with an attorney at once. The experienced Kissimmee flood insurance lawyers with The Salazar & Kelly Law Group, P.A. have successfully settled and litigated on the behalf of countless Kissimmee families and will work tirelessly to ensure that you are awarded the coverage that you have paid for through your monthly premiums.