Counsel From Proven Bad Faith Insurance Lawyers
Water damage claims are among the most common types of homeowner’s insurance claims in Texas. In many cases, the policy holder is seeking payment for costs associated with repair or rebuilding after a hurricane along the Gulf Coast, while in others the water damage is the result of flooding caused by heavy rains. In addition to natural disaster claims, homeowners may pursue coverage for water damage caused by bursting plumbing pipes or malfunctioning home appliances.
Not all types of water damage are covered, but litigation may be required if claims are:
Water damage does not generally qualify for insurance coverage when it is caused by conditions occurring within the property and about which the policy holder knew or reasonably should have known yet failed to address. For example, if your house was flooded by leaking pipes in the plumbing system, you probably will not be able to recover payment through your insurance policy. It is also important to note that flood damage is not covered by homeowner’s insurance, but falls under the coverage of a separate flood insurance policy.
Water damage can have devastating consequences for a home or other property. Not only will the water typically cause serious problems in terms of ruining carpet or hardwood floors, furniture and personal possessions, but it will also frequently result in the development of mold. To prevent the buildup of mold, it is necessary to take swift action to dry up as much of the water as possible, to maximize circulation in the property and to put up a tarp or other measures to keep additional water out. In many cases, such as in the aftermath of a hurricane, it is not possible to take such measures quickly enough to avoid mold buildup.
Claiming Insurance Coverage for Water Damage
Recovering payment for water damage is sometimes challenging given the fact that there may be a dispute between the flood insurance provider and the homeowner’s insurance company as to whether the water damage was caused by the flood or by other conditions. In other cases, the policy holder is met with unreasonable claim delays or unreasonable denial of benefits. You have already been through enough, and we believe that you should not have to fight with the insurance company over the value of your claim. Let us advocate on your behalf and hold the insurance company accountable for bad faith!
I couldn’t understand why my insurance company underpaid me for the damage to my house. Rather than look for damage at my home, their experts came in and found excuses not to pay for my damage. My home was a total loss, but the insurance company only offered me 1/3 of my policy benefits before I hired Clint Brasher. Once Clint started litigating for me, the insurance company paid the full policy.Phyllis Wheelerhomeowner in Beaumont, Texas
Our claim was complicated by the fact that our Declarations page did not correctly state the coverages for our commercial buildings. Without your firm, we had gotten nowhere with the insurance company or agent. With the help of The Brasher Law Firm, we not only received the money we needed to fix our buildings, but a little more. I have no problem recommending your firm to anyone with an insurance dispute.Glenda ThompsonSecretary/Treasurer of Snappy’s Express Mart (relating to Snappy’s Convenience Store and Mini Storage Units)