Flood Claims Dispute Attorneys in Florida
Helping flood victims across the Panhandle, the Gulf Coast, and other Florida regions
Flooding is a natural consequence of disaster, both man-made and natural. Flooding is especially common in Florida where summer hurricanes and flash floods pour into homes, streets, and communities in minutes.
Attorney Gene Warhurst works aggressively when natural disasters strike. Since 1995, he’s helped flood victims in Florida verify the cause of the water damage so you can avoid complications down the line. At Warhurst Law, we work with water damage remediation professionals, contractors, and appraisers so that you get the right damage settlement or award for home repairs and for damage to all the contents that are destroyed from the flood. If you’ve sustained losses, contact us today. We’ve obtained millions of dollars on our clients’ behalves, including $2.568 million in additional funds to policyholders who suffered damages related to flooding.
Verification of the damage
After a flood, policyholders should call an experienced insurance dispute lawyer as soon as possible, if for no other reason than to make sure your insurance policy is in order. Photographs and videos should be taken of all the damage to the inside of the home or building and the outside. The images should show the height of the water, the surface area, and all the places that had water damage but may now be drying out. Homeowners should make a detailed list of all the damaged items and if possible, detail when they were purchased, from where, and for how much.
It is critical that your home be inspected and examined so that the extent of the damage and any hidden damage can be analyzed. If may be necessary to contact FEMA, Florida, or local officials to properly secure the property and dispose of damaged items (after the photo/video stage is complete).
Qualified emergency personnel should explain what safety steps should be taken, including whether the homeowner or business owner should:
- Turn off the water supply
- Turn off the electricity
- Vacate the property
Types of flood damage
Floods cause different types of damage, including the following:
- Structural damage to the home. Flooding is likely to cause damage from the bottom up – from basement to the lower floors. Flooding damage from a hurricane can enter the home from any point: the roof, the windows, the doors, and any open areas or leaks. All parts of the home should be inspected, including:
- Roof and ceilings
- The plumbing
- The electrical components
- Damage to the contents. Homeowners, business owners, and churches should make a habit of regularly documenting their inventory before any storms, hurricanes, or other disasters cause flooding. If there is no inventory, the owner will need to document the damaged items through:
- A written list called a proof of loss statement
- Photographs and videos
- Records to show when and where the items were purchased and the receipt or invoice price
- The cost to replace the items – which is normally much more than what the owner originally paid for the item
- Mold damage. A professional will need to verify that the mold is due to flood damage and not to other causes such as poor home construction or improper home maintenance.
- Odors. Flood damage can cause horrific smelling odors which need to be taken care of due to any garbage, sewage, or silt.
- Business interruption. Business owners may need to cease operations or move to a temporary or permanent location while the repairs are being made. Business owners may need separate business interruption insurance. Your Florida insurance lawyer can explain which policy (the flood insurance policy or another policy) applies.