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Miami Water Damage Claim Lawyer

Helping Clients With Water Damage Claims in Miami-Dade County

Have your homes in Miami or belongings been damaged by water? Despite its myriad uses and benefits, water can cause extensive and irreparable destruction to someone’s property. Miami water damage claims can be complicated, especially because they are similar to but separate from flood damage claims, and insurance companies often try to deny or undervalue claims in order to save money around different areas of Miami.

Need Help With a Denied Water Damage Claim?

If you need help filing a water damage claim or appealing one that has been denied in Miami, you may benefit from legal help. At The Property Advocates, P.A., our Miami lawyers possess decades of combined legal experience thoroughly handling water damage claims for Floridians in the Miami area. We can help you strengthen your water damage insurance claim by ensuring it’s put together properly so that you receive the maximum available compensation; we can also dispute claims that have been wrongfully denied.

Are you looking to file an insurance claim for water damage in Miami? Call The Property Advocates, P.A at (786) 686-5045 or contact us onlineto get started!

Common Causes of Water Damage

Not to be confused with flood damage, water damage must come from an issue caused by or occurring within your home, such as a burst pipe or a leaky ceiling. Flooding, on the other hand, must be caused by a natural disaster or weather event to be covered by insurance.

It is always better to prevent Miami water damage in the first place than to have to repair it later. Recognizing some common causes of water damage could help you avoid this issue before it ruins your flooring, possessions, foundation, and more.

Each case is unique, but issues that commonly cause water damage situations in Florida include:

  • Burst water pipes
  • Broken pipes
  • Leaking pipes
  • Plumbing system failures
  • Toilet clogs
  • Broken appliances
  • Cracked structural foundations
  • Hurricanes
  • Rainstorms
  • Roof or window leaks

Damage from broken appliances, storms, or other events involving water damage can also lead to mold, mildew, insect infestations, damaged furniture, damaged or discolored walls, weakened structural foundations, and wood rot. Fortunately, homeowners insurance generally covers these water damages. Unfortunately, insurance companies sometimes also attempt to pay as little as possible to their claimants for water damage in Miami to protect their bottom line.

Contact The Property Advocates, P.A today for your free, no-obligation case evaluation!

Understanding Water Damage Claims in Miami-Dade County

Living in Miami-Dade County, residents are no strangers to the challenges posed by water damage. From the heavy rains during hurricane season to the humidity that can lead to mold growth, the potential for water-related issues is ever-present. Local government resources, such as the Miami-Dade County Department of Regulatory and Economic Resources, provide valuable information on how to prevent and address water damage, but navigating the claims process can still be daunting.

Guiding Clients Through Water Claim Matters

Many homeowners in neighborhoods like Coral Gables, Hialeah, and Miami Beach face unique pain points when dealing with water damage claims. For instance, the proximity to the coast can lead to increased humidity and flooding risks, while older homes may have outdated plumbing systems that are more prone to leaks and breaks. Additionally, the pressure from insurance companies to settle claims quickly can leave homeowners feeling overwhelmed and under-compensated.

Understanding the local landscape is crucial. Miami-Dade County has specific regulations and guidelines regarding water damage and insurance claims, which can affect how claims are processed. Homeowners should be aware of the importance of documenting damage thoroughly and understanding their rights under Florida law. 

At The Property Advocates, P.A, we recognize the unique challenges faced by Miami residents. Our team is dedicated to helping you navigate the complexities of water damage claims. Whether you're dealing with a burst pipe in your Little Havana home or mold issues in your North Miami apartment, we are dedicated to supporting you every step of the way.

Commonly Asked Questions

How can I tell if my water damage claim is being undervalued by my insurance company?

Insurance companies may undervalue water damage claims by offering settlements that do not fully cover the repair costs or the value of damaged belongings. If you notice discrepancies between your repair estimates and the insurance company's offer, or if they deny certain damages outright, it may indicate undervaluation.

Are there specific time limits for filing a water damage claim in Miami?

Generally, you have up to five years from the date of the damage to file a claim under Florida law. However, the time limits for reporting the loss to your insurance provider can be much shorter. For instance, claims related to hurricanes need to be reported within a year of the storm's landfall. A legal professional can help you navigate these timelines and ensure your claim is filed promptly.

What types of water damage are typically covered by homeowners insurance in Miami?

Homeowners insurance in Miami typically covers water damage caused by sudden and accidental incidents, such as burst pipes, plumbing failures, or appliance malfunctions. However, it usually does not cover damage from flooding caused by natural disasters, which requires separate flood insurance. It's important to review your policy carefully and understand the specific coverage limits and exclusions.

How an Attorney Can Help with Your Claim

Though most standard policies should cover water damage, insurance companies often tend to delay, deny, or undervalue insurance claims in the hopes that the policyholder will give up and accept the loss, saving the insurance company money. Fortunately, if you are having difficulty getting your claim approved—or handling it at all—you can enlist the help of an attorney experienced in such matters.

We will help you document the damage, determine how much you need to cover your losses, and fight back in the event your insurance company refuses to adequately compensate you or tried to deny your claim.

Water damage claims may involve coverage for:

  • Alternative living expenses if displaced during restorations
  • Business interruption or loss of rental value
  • Gutting damaged drywall
  • Removing mold growth
  • Repairing or replacing carpeting and flooring
  • Repairing or replacing damaged electronics
  • Structural damage to walls and foundations
  • Water extraction and drying

We can help ensure you receive compensation for all the above and more so that you can get back on your feet and enjoy a home or business that’s as good as new.

Get The Care You Deserve Today!

Contact The Property Advocates For Your Free Case Evaluation
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  • Recovered Millions
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  • Decades of Experience
    Our team has decades of experience, and we are dedicated to giving you the best experience because we understand how insurance companies work.
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  • Multi-Experience Firm
    Our experience ranges from inside the courtroom, jury trails, and with insurances companies. We have all the tools necessary to handle your insurance claims.