Even with flood damage insurance, getting your home repaired can be a challenge. Filing an insurance claim can get complicated, too. Insurance adjusters may seem to take forever, unfairly evaluate your damages, or deny your claim altogether. If your residential or commercial property in Rehoboth sustained flood damage, GED Lawyers can help.
A Rehoboth personal injury lawyer from our law firm can get your flood insurance claim filed and help you recover damages. You can discuss your needs and the circumstances of your flood damage with a member of our legal team today. We offer free case reviews where you can get the answers to your questions.
Our Team Can Step in Whenever You Need Us
Regardless of what stage you’re at in the claims process, we can help. Our disaster recovery attorneys can file your claim if you’re just starting or appealing a denial. We can also step in along the way if you meet a roadblock.
We understand that these claims can be stressful as you’re dealing with property damage repairs or making alternate arrangements. Our team strives to make the claims process as straightforward as possible.
How Our Rehoboth Flood Insurance Lawyers Help Your Claim
Our flood damage lawyers can achieve a positive outcome in your case. We don’t just accept what the insurer is willing to give. Our law firm serving Rehoboth, MA, does everything your case requires, including:
- Investigating the cause of the flood damage and gathering evidence
- Reviewing your flood insurance, homeowners insurance, or commercial property insurance policy to understand your options
- Collaborating with flood damage experts, restoration companies, damage appraisers, and/or public adjusters to estimate your losses
- Managing and filling out any required paperwork
- Communicating with your insurance agency and essential third parties
- Representing your best interests in negotiations with the insurer
- Appealing the denial of your flood insurance claim
- Filing a lawsuit against the insurer, if necessary
- Fighting for your proper compensation at trial
Our Flood Damage Lawyers Intend to Recover Your Losses
Flood insurance covers both covered buildings and their contents. You could recover damages for:
- Electrical and plumbing systems
- Furnaces and water heaters
- Built-in appliances
- The property’s foundation, walls, staircases, and floors
- Detached garages
- Permanent carpeting
- Permanent cabinetry
- Clothes
- Curtains
- Air conditioning units
- Furniture
- Electronics
- High-value possessions, such as art collections
This list is not exhaustive. There are a number of items covered by flood insurance. To learn more about your covered losses, you should consider reaching out to our team serving Rehoboth, MA. We can go over your policy and assess the damage to your home and personal property. You may have coverage that helps take care of temporary living arrangements, loss of access, or loss of use of your property.
What You Should Know About Filing a Flood Damage Claim
We want you to have all the information you need to make informed decisions about your case moving forward. You should understand:
What Constitutes Flood Damage
Understanding what qualifies as flood damage is often difficult for policyholders. If the flood wasn’t caused by a covered source or doesn’t meet the definition of a flood under your policy, you may have financial concerns.
Our damage attorneys provide a detailed examination of your policy, so you know exactly what you are entitled to receive. We help you cut through the red tape, avoid mistakes in your claim, and combat insurance company schemes. Our goal is to save you time and obtain the payout you deserve.
Homeowners Insurance Does Not Cover Floods
There’s a lot of misunderstandings about whether homeowners insurance policies cover floods. Claimants are often surprised to find out that their policy does not include protection against damage from floods. If you’ve experienced a flood from a natural disaster, such as a hurricane or rainstorm, your homeowners insurance policy won’t cover you.
Homeowners insurance only covers water damage from sources listed in your policy; these usually are sources that originate inside your home or are the result of a covered peril. For example, water damage from a busted pipe is covered. Rainwater that seeped into your house may also be covered but not damage from a flash flood or suddenly melted snow.
Bottom line: you have options even if homeowners insurance doesn’t cover the damage to your home. We evaluate the full extent of your coverage options and seek what you need.
We Help Property Owners After Floods Stemming From These Situations
Our Rehoboth flood damage lawyers help people with damages arising from:
- Flash floods
- Hurricanes or tropical storms
- Heavy rain
- Storm surges
- Snowmelt
- Ice jams
- Broken dams
- Breached levees
As sea levels rise, the threat of coastal flooding increases in Massachusetts. It’s imperative for Rehoboth residents to have proper flood coverage. It’s also important to consider your legal options. You don’t have to manage the claims process alone.
We Protect Property Owners From Bad Faith Insurance Practices
The law says that all insurance companies must treat claimants in good faith, meaning they properly investigate claims and pay them out accordingly. However, not all organizations follow these rules. Some resort to bad faith insurance practices, which discourage claimants from seeking damages.
Examples of bad case insurance practices include:
- The insurer pressures you into accepting a low offer.
- You’re denied coverage that’s outlined in your policy.
- The insurer demands that you give a recorded statement (which you’re not obligated to give).
- The insurer takes a long time to process your claim.
- You have a hard time reaching the insurance company and getting updates.
We provide comprehensive legal support in the aftermath of a serious flood.
Let Our Rehoboth Flood Damage Lawyers Help You Recover After a Disaster
With the increased threat of flooding in Massachusetts, it’s important to not only have the right insurance, but the right law firm to seek compensation. A Rehoboth flood damage lawyer at GED Lawyers will dedicate their time and efforts to ensure a smooth claims process. Call us now to begin a free case review.
