Steps a skilled Mobile lawyer will take after a flood
Whether you own a single-family home or a condo, a warehouse or a commercial property, or run a non-profit or a church, you should contact a respected flood insurance lawyer as soon as possible. The attorney will work with you, local officials, and professionals to:
- Determine if you are in a flood disaster area. If you are, you may be eligible for help from the federal and state government.
- Coordinate claims. You’ll need to coordinate your flood insurance claim, your property insurance claim, and any other policies such as business interruption insurance.
- Address emergency needs. This includes:
- Shutting off utilities that cause a safety risk.
- Boarding up the property until repairs can be made.
- Leaving the property for a hotel or other temporary living or work quarters.
- Getting rid of the water through the use of a sump pump, a wet vac, or other means.
- Arrange for a full inspection of the home to determine the visible and possible hidden damage.
- Document the damage to all parts of the home/property and all other possessions. This includes taking photographs and videos. It also includes identifying each item of damage.
- Estimate the cost of repairs, if fixing the property is possible. Determining the value of items that are beyond repair. The damages should be itemized in a proof of loss statement.
- Obtain the correct value. This includes demanding replacement value for any items that can’t be repaired.
- Assess mold and mildew damage. Many floods cause mold and mildew damage for water that can’t be emptied out of the property. Professionals will need to be called in to determine if and how the mold or mildew is related to the flood. Mold can develop in as little as 24-48 hours after the flood.
- Assess any smells and odors. Odors from garbage, silt, and sewage can be overwhelming. The cause of the odor and the smells themselves need to be taken care of.
Owners of businesses lose the ability to meet with customers when floods destroy their building. Business interruption insurance is the standard remedy for covering business losses due to a flood or any disaster.
Common flood insurance disputes
In addition to the issue of which policy covers which items of damages, some of the many disputes our Alabama insurance dispute lawyers anticipate include:
- Obtaining an advance. If you need to move or make repairs to prevent further damage, experienced lawyers will work to obtain some funds to meet these needs. Experienced lawyers negotiate with the adjuster so that the advance is not construed as a settlement.
- Deciding who should do the repairs. Only qualified professionals should be used to make the repairs.
- Determining all damages. Many flood insurance disputes revolve around the extent of the damage and the cost of the repairs. In some cases, it may be difficult to know the full amount of the damages until the repairs begin.
Speak with a premier flood insurance lawyer in Alabama today
Attorney Gene Warhurst’s combination of legal and insurance experience is rare. That combination gives him insight into how the other side thinks and prepares. At Warhurst Law, we have earned the respect of many clients for our ability to help flood victims get the funds they deserve so they can make the necessary repairs and repurchases needed to move on with their lives. To talk with an experienced Mobile insurance dispute lawyer, call us at 251-207-1296 or complete our contact form to schedule an appointment. We represent businesses in Mobile and across Alabama and the Southeast.
* Warhurst Law cannot and does not guarantee an outcome to any case.