Hollywood Flood Damage Attorney For Property Claims
If your home or business in Florida has been damaged by a flood, you may be able to recover financial compensation for your losses. An experienced Hollywood Flood Damage Attorney at Klotzman Property Damage Law can help. All we do is handle insurance claims for property damage, including flood damage.
Flood Damage vs. Water Damage
If your property has been damaged by water, you first need to determine whether the damage is flood damage or water damage. Insurance companies define these claims differently.
Flood damage stems from largely natural sources such as rising tides, overflowing inland lakes, river or stream overflow, surface runoff, mudslides, or extreme weather. Water damage stems from a wide variety of internal sources, such as burst water mains, broken water pipes, overflowing sinks, tubs or toilets, broken washing machines or dishwashers, and damaged water hoses. It is the source of water that determines whether the damage will be considered flood damage or water damage.
Determining If You Have Insurance Coverage For Florida Flood Claims
Many homes and businesses in Florida, especially those located near the beach, are damaged by flooding during hurricane season. Depending on your property insurance policy, flood damage may or may not be covered. If your property is located within a flood zone, your mortgage lender may have required you to purchase supplemental flood insurance.
Regardless of the details of your property owner’s policy, you should contact a Hollywood Flood Damage Attorney at Klotzman Property Damage Law as soon as possible after the property damage occurs for help in determining your options regarding the full recovery of financial compensation for your losses. If you’re unsure about your coverage, we can provide guidance about your specific claim and policy to help you understand your options.
What Compensation Can I Receive from My Flood Insurance Policy?
If your property has been damaged by a flood, you may be eligible to recover a number of different types of damages, potentially including:
- The cost of damages to your property’s interior
- The cost of damages to your property’s exterior
- Foundation damage
- Mold damage and removal
- Damage to other types of valuable property, such as yachts, cars, recreational vehicles, Jet Skis/WaveRunners, ATVs, etc.
How Can a Hollywood Flood Damage Attorney Help Me?
Here at Klotzman Property Damage Law, we understand how particularly difficult flood damage can be. Oftentimes customers lose items of sentimental value like photos or family paperwork that simply can’t be replaced by any amount of money. Still, we can help:
- We will start by examining all of your insurance policy paperwork to find exactly what kinds of coverage and how much coverage you have.
- We handle all communication with your insurance company.
- We file your paperwork within the deadlines.
- We answer any and all questions.
- We personally come out and inspect your damages.
- We help gather evidence you’ll need to support your claim, including photos and videos.
- We speak with expert witnesses.
- We assess your claim and estimate your damages.
- We will be sure that you’re claiming every type of damage recoverable.
- We provide you with your options and make recommendations for the best course of action.
- We make ourselves available to you at any time.
- We negotiate a favorable settlement or take your case to trial if it’s in your best interest.
- We see you through the entire process.
FAQs Answered by a Hollywood Flood Damage Attorney
Does my homeowner’s insurance policy guarantee my flood damage?
No, most homeowners’ insurance policies do not cover flood damage. In fact, most property owners need to purchase separate flood insurance to cover flood damage to their home or business. Flood damage coverage is more important in some areas of the country than others. In Florida, it’s generally a good idea.
I received a letter saying flood zones in my area have changed. How can I be sure I have flood damage insurance?
Flood zones are always changing. Contact a Hollywood Flood Damage Attorney at Klotzman Property Damage Law and we’ll help you determine your flood zone status, and work with you to be sure you have the coverage you need.
Why is my mortgage lender requiring me to carry flood insurance?
If your new home or commercial property is located in an area at high risk for floods and your mortgage is from a federally-regulated bank (most are), you are required to carry flood insurance. In any event, your lender will likely still require flood insurance for homes in these areas. This should tell you that the bank considers the chances that you’ll experience flooding to be high.
Is flood insurance expensive?
Most property owners in Florida consider the cost to be reasonable considering the risk. Florida’s average flood insurance premium is under $500 per year. Your exact premium is calculated by considering a number of various factors, but this ballpark figure is close enough for you to budget with when buying property in Florida.
Speak with a Hollywood Flood Damage Law Firm Today
Flood insurance is arguably more important in Florida, along with states along the eastern coastline. A Hollywood Flood Damage Attorney at Klotzman Property Damage Law can help you recover all of your financial compensation after a flood, rather than the low-ball offer you’ll get from your insurance company. Contact us online to schedule your free consultation.