Miami Denied Flood Claims

Fighting to Appeal Wrongfully Denied Insurance Claims

Flood insurance is a type of property damage coverage most Florida property owners are likely familiar with. From thunderstorms to hurricanes and everything in between, our state is one of the most flood-prone in the U.S. Yet, what if your insurance company claims not to cover property damage caused by a flood and denies your claim?

Once an insurance company has denied a claim, they tend to view it as a closed case. Luckily, you don’t have to. Your next step should you choose to fight back is consulting with a law firm in your area that focuses on denied flood insurance claims.

The Property Advocates, P.A. is just that firm. Our experienced team of Miami denied flood claims attorneys works together exclusively on insurance matters—in fact, many members of our team were employed in the insurance industry before joining our firm, so we know how these companies work. With our collaborative and innovative approach to appealing denied insurance claims, we believe that we possess the abilities and determination necessary to help you obtain the coverage and compensation you need to repair your property after a flood.

To learn more about how we can help appeal your denied flood insurance claim, contact us now at (786) 686-5045 to set up your free, no-obligation consultation. 

Why Wouldn’t My Insurance Cover Flood Damage?

Unfortunately, flood insurance is generally entirely separate from homeowners or business insurance. Even though most home and commercial insurance policies cover water damage this customarily excludes damage specifically related to flooding. Review your policy to determine whether your policy includes flood coverage if you aren’t sure.

If you don’t have flood insurance, property owners can purchase flood insurance through the National Flood Insurance Program (NFIP). You can also inquire with your insurance company to see if you have the option of adding flood coverage to your policy.

If your insurance policy doesn’t cover flood damage and your property has already been damaged, there may be nothing you can do. However, if your policy does include flood insurance coverage and yet your claims adjuster suggests otherwise, you may be able to take legal action. Denying a policyholder benefits they are rightfully owed is against the law. Fortunately, with legal help you can fight back.

Call (786) 686-5045 or contact us online now to book your confidential, no-obligation consultation and receive a free estimate.