FLOOD DAMAGE INSURANCE CLAIMS
Heavy, torrential rains cause a lot of damage. Your property, your cars, and even your life lie in the balance during a flood. Does your home insurance policy cover flood damage? When your property gets lost or damaged in the flood, insurance policies mitigate financial loss. Insurance policies require monthly premiums. Those premiums go towards any future claims. You pay that money and rely on your insurance company.
Can You Rely On Your Insurance Company In Your Time Of Need?
We at Freundlich & Littman, LLC are your flood damage insurance claims attorneys. When your insurance company fails you, we are here to help you. We battle insurance companies for our clients. We know how to get them to respond to property insurance claims.
Lodging Flood Damage Claims With Insurance Companies
After a flood damages your property, your next step is to get in touch with a flood insurance attorney. Insurance companies have their own interests to take care of. An attorney will protect you during the claim process. The next step is to contact your insurance company to file a claim for the damages.
With physical damage, the best method to ensure compensation is to have evidence. After the flood, take pictures of all the damage. Your flood damage lawyer may request specific pictures. Until directed to do so, do not discard any photo evidence of the flood damage.
Keep any evidence related to the flood. Evidence includes pictures, forms, or communications with your homeowner’s insurance company. Any promises from the insurance company need to be in writing.
After lodging a claim, your flood insurance company may require additional information about the damage. In fact, you may receive a summons to appear for an examination under oath. During these, your answers to questions are under the threat of perjury. As a result, the law entitles you to an attorney. Do not hesitate to contact legal representation.
At some point, you may receive an initial offer. This is only an offer. You do not have to accept the offer. Consult legal representation prior to accepting the offer. You have options. If you feel that you deserve more compensation under your policy, you have the right to appeal or file a lawsuit. A trained flood damage lawyer is essential.
Dangers Of Public Adjusters After A Flood
Your insurance company may send out an insurance adjuster after you make a claim. An insurance adjuster may also be a licensed adjuster with the state who is available to value your claim on your behalf. The concern is whether the insurance adjuster is after your money or has your best interest at heart.
First, make sure any public adjuster carries a valid license with the state of Pennsylvania.There are two main warning signs to distrust a so-called “public adjuster” who shows up unannounced.
If you were the victim of a public adjuster scam, contact an attorney immediately to review your options.
What If My Insurance Company Will Not Pay?
Even if you make a claim for coverage after a flood damages your property, insurance companies will make excuses. Flood cause serious and costly damage, making insurance claims a high liability. If your insurance company denied your claim outright, speak with your flood insurance claims lawyer immediately.
Flood Damage Insurance Claims Lawyers
If a civil conversation with your insurance company does not work, contact us right away. We service the greater Philadelphia area and staff experience flood insurance claims attorneys. If you need to lodge an appeal or file a lawsuit against your insurance company, contact us. Call Freundlich & Littman today at 215-545-8500 to schedule an appointment.