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You May Be Covered For Flood Damage Or Other Water Damage

Water intrusion can cause flash floods in Southern California that result in millions of dollars’ worth of damage to residential and commercial buildings. Communities are susceptible to flooding after wildfires because of the lack of vegetation. In fact, more damage can occur in areas surrounding a “burn scar” months and years after a wildfire than the damage caused by the fire itself.

Flooding also occurs when pipes burst, a dam or levee breaks, or some other water system malfunctions.

Often, an insurance company informs a homeowner or the owner of a commercial building that flood damage is not covered in their standard insurance policy. Separate flood insurance may be available and necessary. It is important to inquire about flood damage options when purchasing property insurance.

The Insurance Company Is Not Always Right

Some insurance companies wrongly deny coverage for water damage that is caused by flooding, mudslides, earthquakes or malfunctioning man-made water systems. You do not have to take an initial denial of a claim as the last word. The lawyers at Buscemi Hallett LLP help homeowners and businesses fight back when insurance companies act in bad faith.

The cost of repairing water damage can be extensive. It may make sense to work with an attorney early in the process to help prepare water damage insurance claims. If your claim has been denied, we can review the details of your insurance policy to determine if you have a valid claim. Separate flood insurance policies generally cover both the building and its contents.

If you have property damage following water intrusion or another incident involving water, you should document the damage (written records and photos), clean up mold and debris, and request an inspection by your insurance company.

We welcome the opportunity to review the facts of your flood or water damage claim. Call 619-821-9163 or use our online contact form to schedule a free consultation. We represent clients throughout Southern California from our office in San Diego.