With its heavy annual rainfall, Sarasota is prone to flooding. If your home or business suffered damage from a flood, Sarasota flood damage lawyers from GED Lawyers can pursue the insurance coverage that you deserve.
Insurance companies may not hand over fair compensation willingly. A Sarasota personal injury lawyer from our team will press for the entire financial recovery you’ve paid for.
Why Choose GED Lawyers for a Flood Damage Claim in Sarasota?
GED Lawyers focuses on helping those harmed by natural disasters, including floods. We understand the challenges that you’re facing right now, and we can help by handling your insurance claim.
Our firm:
- Employs several attorneys, and we’ll assign you the lawyer who we believe is best suited to succeed with your insurance claim
- Serves Florida exclusively, which makes us extremely familiar with insurance rules and practices in Sarasota
- Prides itself on exceptional service
- Never backs down from the insurance companies
We are ready to help with your insurance claim today. Flood damage generally requires quick repairs, and your insurance payment cannot come soon enough.
Flood Damage Can Accompany Other Types of Damage—We’ll Help You Pursue Fair Compensation for All of Your Losses
Depending on the cause of your flood damage, you may have experienced other types of property damage, too. Whether your property has endured a hurricane, heavy windstorm, or other events that caused flooding, our Sarasota property damage lawyers will assess the entirety of your damages.
We may need to file multiple insurance claims on your behalf. GED Lawyers are well-versed in property insurance claims, and we’ll use a strategy that is specific to your circumstances. The goal is to obtain all of the insurance coverage you deserve and to relieve any financial pressure that you’re facing.
Which Flood-Related Damages Can I Get Compensation for in Sarasota?
Your specific insurance policy will determine which coverages you’re entitled to. As the Federal Emergency Management Agency (FEMA) explains, Floridians often purchase flood insurance through a network of insurance companies backed by FEMA. Whichever insurance company you purchased flood insurance through should honor your policy.
Your flood insurance policy may cover:
- Damage to a flooded building: Your flood insurance may cover the cost of cleansing or replacing drywall, wood, flooring, insulation, and other features of a building damaged by a flood.
- Damage to contents inside of a flooded building: We may count furniture, electronics, fixtures, appliances, plumbing, air conditioning components, and other property inside of a flooded building as part of your flood insurance claim.
Your insurance policy may also cover the cost of cleanup, debris removal, and other services related to a flood.
National Flood Insurance Program (NFIP) insurance policies generally have coverage caps. You may be entitled to up to $250,000 for coverage to the building, and up to $100,000 for damage to personal property. Of course, the coverage you’re entitled to will depend on the details of your applicable flood policies.
What Does Not Typically Qualify as a Recoverable Loss?
In order to set your expectations appropriately, you should know what flood insurance does not typically cover. Property that is typically exempt from flood insurance policies include:
- Jewelry, precious metals, and other items that could be stored off premises
- Money
- Hot tubs, pools, landscaping, and other outdoor features of a property
- The cost of temporary housing or business space while your property is undergoing repairs
- Automobiles, boats, all-terrain vehicles, and other motorized vehicles
Additional items may not be covered by your policy. A Sarasota flood damage lawyer from GED Lawyers can review your circumstances. We’ll explain the losses that should entitle you to coverage.
What Qualifies as a Flood for Insurance Purposes?
Insurance companies are extremely specific when it comes time to pay out insurance policies. The insurer who issued your flood policy will be sure to examine whether your water damage constitutes flood damage.
For flood damage coverage to apply, the event in question must generally:
- Not be from a source inside of the home or property, such as a burst pipe
- Must come from some external source
- Must inundate at least two acres of property, temporarily, with water or mudflow
There are many possible sources of floods in Sarasota, including:
- Overflow from Sarasota Bay in times of intense rainfall
- Overflow from Braden River, Myakka River, Manatee River, and other river-like bodies of water located within Sarasota
- Heavy rains that cause water to accumulate and create flood conditions
Each flood is unique, and GED Lawyers has the experience to diagnose whether your damages are the result of a flood.
How GED Lawyers Will Help with Your Flood Insurance Claim
More than many other insurance claim types, a flood insurance claim can be complicated. Damage may be widespread, there may be many flood victims in your area seeking insurance payouts, and the involvement of FEMA in the process never simplifies matters.
By having the Sarasota property damage lawyers at GED Lawyers oversee your claim, you may:
- Avoid spending excessive amounts of time dealing with your flood insurance claim
- Avoid the stress that can come from dealing with insurance companies, checking on your claim, and negotiating for a fair insurance payout
- Have more time and energy to focus on rehabilitating your damaged property
While you may have a flood insurance policy, you may not be familiar with the details of that policy. Our team will spend the necessary time reviewing and interpreting your flood insurance policy for you.
GED Lawyers will also:
- Investigate all of your flood damage
- Determine the monetary cost of all of your damages
- Handle all discussions with your insurer
- Monitor the progress of your claim, doing whatever we can to ensure your claim moves forward efficiently
- Negotiate for a fair settlement
- Take any other necessary steps to seek the insurance coverage you’re entitled to
An insurance policy is a contract, and we’ll work to ensure that your insurance company honors their agreement.
Call GED Lawyers Today for a Free Consultation About Your Flood Insurance Claim
A Sarasota flood damage lawyer from GED Lawyers will fight for your financial recovery. Flood insurance claims can be difficult, and you may have plenty else to worry about. Let our team pursue the insurance payment that you deserve.
Call GED Lawyers today to complete your free consultation.
