If you’ve ever suffered damage to your home because of broken pipes in Florida, you know how hard it can be to get your claim covered. Homeowner’s insurance companies can be very hard to deal with when it comes to paying your claim for water damage. Sometimes, it seems like they’re looking for reasons to deny your claim – and, that’s because they are.
When it comes to whether or not your water damage will be covered, the general rule is this: If the broken pipes occurred due to unforeseen circumstances, your claim will probably be covered. But, if the damage happened over a long period of time, it will almost always be denied.
If your claim is denied, you should call an experienced Florida insurance adjustor. They’ll fight to get your claim paid. They’ll also make sure you get all the money you’re entitled to.
What Kind of Water Damage is Covered?
Most insurance companies will pay for damage caused by emergency situations. For example, if your pipes burst because of cold weather, there’s a good chance your claim will be paid. The same is true if there were some kind of plumbing emergency. Here are some situations in which your homeowner’s claim would likely be approved:
- Broken or burst pipes in Florida
- A leaking air conditioner unit
- Broken washing machine
- Leaky or broken hot water heater
As long as the insurance company can see that the damage was immediate, they should pay your claim.
What Types of Claims are Denied?
More often than not, if your water damage isn’t immediate, the insurance company isn’t going to pay it. This is when you need to talk to a Florida water damage adjustor. In the following circumstances, insurance companies like to give you a hard time about payment:
- The damage occurred over several months
- They don’t believe you did the proper maintenance to prevent the damage
- You didn’t report the damage right away so it made the problem worse
In any of these situations, your claim will probably be denied. However, a skilled water damage adjustor in Florida may be able to help.
Contact an Experienced Public Water Damage Adjustor in Florida
If your homeowner’s claim for water damage has been denied, you should call our office. One of our expert public water damage adjusters will come out and give you a free estimate.