After suffering flood damage to your home or business, you already have enough to worry about without having to deal with your insurance company as well. If your property was damaged by flooding in Panama City Beach, a flood damage lawyer from our law firm can assess your losses and pursue the compensation you need for repair or replacement.
Since 1995, Ged Lawyers has been helping Floridians navigate the insurance claims process and recover enough compensation to rebuild after natural disasters. To find out what our Panama City disaster recovery lawyer can do for you and your family, call us today to receive a free consultation.
How Our Panama City Beach Flood Damage Attorneys Can Help with Your Claim
No matter what their advertising may say, insurance companies are more interested in their bottom line than in their clients’ welfare. Trying to persuade them to accept your property damage claim can take a lot of time, effort, and energy—all of which may be hard for you to come by when you are coping with such a devastating loss.
Our Panama City Beach property damage lawyers are here to make the claims process simpler and less stressful for you. Here is how we protect property owners like you:
We Review Your Flood Damage Insurance Policy
Getting compensation for flood damage in Florida can be complex. For example, according to the Florida Chief Financial Officer, hurricane coverage does not include flood damage, even if the flooding was caused by a hurricane. You need insurance coverage that specifically provides coverage for flood damage from a natural disaster.
Even if your insurer has already claimed that your policy does not cover your situation, Ged Lawyers can review your policy to determine if they are incorrect or if there is another way to obtain your compensation.
We Collect Evidence of Flood Damage
Your insurance provider will not pay you unless you can prove that your situation matches the scenarios covered by your policy. Our Panama City Beach flood damage attorneys can strengthen your claim by:
- Taking photos of your damaged home or reviewing photos you have already taken
- Making a list of all your damages and losses
- Collecting receipts and repair estimates you have received as you move to repair or replace lost property
- Collecting bills or receipts generated by related purchases
We Communicate with the Property Damage Insurance Company
Your insurance company will conduct their own investigation into the flood damage. The main difference between our investigation and theirs is that their insurance adjusters will look for reasons to deny or minimize your claim. Our flood damage attorneys serving Panama City Beach protect our clients by:
- Communicating with the insurance adjusters or other representatives when they request materials or want to discuss your flood damage case
- Sending in all of the paperwork required to file your property damage claim
- Pursuing fair compensation based on your losses, even if we have to negotiate directly with the insurer
- Evaluate the insurer’s settlement offers with you and letting you know if we think they are worth considering
Call Ged Lawyers today and find out why Floridians have trusted us to treat them fairly for almost 30 years. You will pay us nothing unless we win.
Pursuing Compensation for Your Covered Flood Damaged Property
Whether you live in Panama City Beach yourself or own property along, for example, Front Beach Road that was damaged by flood waters, we aim to make your life easier by fighting for the compensation you need after:
- Suffering damage to the windows or roof of your building
- Sustaining damage to the structural integrity of walls, support beams, or foundations that make the building unsafe to stay in
- Losing personal property, including but not limited to carpets, furniture, appliances and electronics, clothing, jewelry, and heirlooms
- Spending additional money on things you normally do not need, such as motel stays or keeping your pet at a kennel
- Being unable to earn income with the damaged structure, if you are a business owner or rent your property to others
Available Flood Damages Depend on Your Policy
Different insurance policies cover different types and amounts of losses. When we go over your policy, our legal team can tell you which of the above damages you are entitled to and how we can help you pursue them. Our Panama City Beach flood damage lawyers do not want you to be stuck covering expenses from storm damage out of your pocket.
Protecting Your Rights Against Bad Faith Insurance Tactics
Panama City Beach is a beautiful place to live and work, but its location right on the Florida shoreline makes it susceptible to extensive damage like flooding during heavy rains, high seas, and hurricanes. That is why you have purchased homeowners or commercial property insurance: to protect what you have built.
Unfortunately, the insurance company might try any number of tactics to reduce the compensation you receive. They might say:
- Your policy only covers damage from water like burst pipes, not natural disasters.
- Your policy covers wind damage from natural disasters but not flood damage.
- Your policy does not cover everything you lost, so you can only recover partial damages.
- You filed your claim too late, or the damage did not occur within a specified period of time.
Ged Lawyers Can Handle All Property Damage Insurance Disputes for You
You and your family have been through enough. Instead of trying to deal with the insurance company on your own, let our attorneys do the work for you. We can give you the time and peace of mind you need to focus on recovering from your ordeal while we do everything possible to protect your rights.
Get Started Protecting Your Rights with a Panama City Beach Flood Damage Lawyer
Call Ged Lawyers to find out how our Panama City Beach flood damage lawyers can seek the compensation you need after a natural disaster. We represent clients who have lost personal property as well as commercial property. In a free consultation, we can inform you of your legal options and how we can help you during this frustrating process.
