In Florida, natural disasters often involve water-related events, including storm surges, flash floods, and hurricanes. These events can cause significant water damage to your home or business property, and getting proper reimbursement from your insurance company can be complicated and frustrating. If flood waters damaged your personal or business property in Lynn Haven, our flood damage lawyers are here to simplify the claims process.
Our Lynn Haven disaster recovery lawyers believe that everyone deserves legal representation. Ged Lawyers is proud to work with you and your insurance company to secure the funds you need to rebuild. Call today and speak to a member of our team for free. We can put our decades of experience to work for you.
Our Lynn Haven Flood Damage Attorneys Will Fight for the Money You Need
A flood damage insurance payout may be essential to rebuilding your property and your life after a natural disaster. Even if your insurer tries to delay or deny your claim, our Lynn Haven property damage lawyers can stand up for you and negotiate for:
Structural Damage to Your Lynn Haven Home
Large amounts of water can weaken your home’s structure, making it unsafe to live in. The water may even carry bacteria or invite mold that can sicken you and your family. Insurance compensation could cover the costs of repairs and temporary living expenses until the work is completed.
Our disaster recovery lawyers can prove the flood-related damage by collecting photos of your property, local weather reports, and estimates from the contractors you hire to fix the damage. We can also help you look for signs of structural damage so you know whether or not it is safe to stay in your home.
Loss of Personal Property Due to Flooding
Flood waters can sweep away or destroy many cherished and valuable personal belongings. Some may be of purely sentimental value, such as family photos, while others may have great financial value, such as artwork or furniture.
Ged Lawyers can help you inventory your lost property. Then we can present this list to the insurance company, along with the estimated value of everything you lost.
Flood Damage to Windows, Patios, and Outbuildings
Flood waters can crack low-level windows, allowing more water to enter your building. They can also damage or destroy decks, sheds, and other structures that may be costly to repair or replace.
Our flood damage lawyers serving Lynn Haven can pursue all of these damages and more for no upfront cost. We only get paid if you do. Call our law firm to receive a free consultation today.
Understanding Your Insurance Policy to Ensure You Receive Proper Claim Coverage
One of the first things our disaster recovery attorneys can do for you is review your insurance policies. We need to know:
- What storms your policy covers
- What types of damages your policy covers
- How your insurer might try to undermine or deny your claim
Florida Law Limits Your Time to File a Property Damage Claim
You generally have one year to file a property damage claim, according to Florida Statutes § 627.70132. The sooner you get in touch with our Lynn Haven flood damage lawyers, the sooner we can get started on the following:
- We will collect evidence of all your losses and directly link them to the flooding.
- Our law firm can go over your insurance policies in detail and answer all of your questions about what is covered and what the procedure is for filing a flood damage claim.
- We will file your claim with the appropriate insurance carrier within all applicable deadlines.
- If the insurer resists paying or denies your claim, our attorneys can find out why and take steps to adjust your claim accordingly.
- If the insurer is willing to negotiate, we can represent you at these meetings and defend your rights, making persuasive arguments and provide evidence to support your claim for compensation.
How You Can Prepare Your Personal and Business Property for Flooding
Lynn Haven sits by large bodies of water, including North Bay and several bayous. That means property owners can and should expect flooding on occasion, especially during hurricane season. You can take steps to protect your property and facilitate future insurance claims by:
- Creating an inventory: Having a definitive list of all of your personal property before the flood could make it much easier to convince your insurer to pay for damaged or lost items.
- Double-checking your insurance coverage: You want to be absolutely sure that your policy covers flooding from natural disasters. If it does not, consider purchasing such a policy.
- Keeping important documents in a safe place: For example, you can consider buying a watertight container and keeping it in a secure location in your home, business, or elsewhere. Otherwise, the flood could destroy things like inventory lists or insurance policies, making it harder to claim damages.
- Prepare for known storms: When a hurricane watch or warning is declared in Bay County, take steps to mitigate flood damage. The National Oceanic and Atmospheric Administration (NOAA) recommends unplugging appliances and securing all areas where water could come in (e.g., doors and windows).
Our Law Firm Is Here to Advise Lynn Haven Flood Victims
When a flood hits, even if you were expecting it and took precautions, you may be shocked and devastated by the extent of the damage. This is normal, and you deserve time and space to process the storm damage before figuring out where to go from here.
Ged Lawyers can handle all communication, in person and otherwise, with your insurance company. We can recognize when an insurer is behaving in good faith and can ensure they respect your rights throughout the claims process.
Get the Support You Need Today with Our Lynn Haven Flood Damage Lawyers
Ged Lawyers is always there when our clients need us. We can be a valuable source of support and legal advice during a very difficult and frustrating time. To learn more about how our Lynn Haven flood damage lawyers can fight for the compensation you deserve, call our office today for a free consultation.
