Water Damage

Water Damage Attorneys in Florida

When it comes to hurricane damage, few things can be quite as pervasive and destructive on a large scale than flooding. Unless you have a flood insurance policy from the FEMA-run National Flood Insurance Program, you may not be covered for certain types of natural flood damages.

Even if your water damage should be covered under your normal Florida homeowners insurance policy – which is more common than the insurance companies want to acknowledge – it can be difficult to get the claim payment you deserve.

Types of Water Damage that Aren’t Covered by Your Normal Homeowners Policy

Excluded flood damage is water that has risen from a source outside the home. Outside the home generally refers to naturally occurring sources of water, such as ocean water storm surge or a river that has risen above its bank and threatens surrounding communities with flooding.

A plumbing leak, for example, is not excluded flooding. The source is coming from inside your own home and it’s not a naturally occurring event. If hurricane winds damage your roof or break windows and rain is blown into your home, that doesn’t count as risen water. That water damage would be a direct result of wind damage, which should be covered.

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The Dangers of Water Damage

Repairing water damage is never as simple as letting your property dry and getting on with life. Water damage of all types can cause a number of problematic issues, including:

  • Mold growth all over your homes, including behind drywall, in your attic insulation and in your carpet and flooring
  • Ruins electrical systems in the home, often requiring complete replacement
  • Necessitate the replacement of all furniture, possessions and drywall that have been soaked
  • Lace your home with bacteria, pathogens and other seriously hazardous chemical and biological issues due to the contaminated nature of flood waters
  • Potentially compromise the stability of your home by weakening and rotting key structural supports

Water damage is one of the most pervasive and dramatic types of damage a home can experience. The cost of these claims, which are always high, is the main reason the vast majority of homeowners insurance providers began excluding flood damage, forcing home and business owners to seek coverage from the government.

The Wind-Driven Rain Damage Conundrum

Insurance companies frequently deny water damage claims unrelated to flood damage by using a convenient loophole that puts the blame back on you. They may say that pre-storm damage to your home allowed the storm damage to occur. By their reasoning, you could have prevented the water damage if you had fixed your home’s preexisting damage.

For example, the insurance company may say your roof was missing shingles or was in disrepair which is why the rain was able to penetrate your roof and cause water damage in your home.

It’s also important to note that your FEMA flood insurance policy won’t cover wind-driven rain, because that policy only covers the damage that meets their flood criteria.

You may read your entire insurance policy and still not be entirely clear where it stands on the question of wind-driven rain. If your wind-driven rain claim is being denied, it’s likely in your best interest to speak with an independent claims adjuster or Florida hurricane property damage attorney.

Make Repairs and Keep Receipts

After your home or business has suffered wind damage it’s important to make temporary repairs as best you can once it is safe to do so. The insurance company won’t cover damage that could have been preventable if you had taken these steps, so it’s important to do what you can to prevent any additional damage after the initial hurricane or tropical storm.

You can also be compensated for your preventative self-repair costs in many cases if you keep your receipts.

Is Your Damage Covered? Contact a Water Damage Attorney in Florida

If you believe your claim should be honored but the insurance company is giving you the runaround, it may be in your best interest to speak with a property damage attorney, especially those familiar with fighting for homeowners with storm-related damage claims.

At Kanner & Pintaluga, our attorneys have a long history of helping clients get the payments they need to rebuild and repair after a hurricane or storm causes water damage to their home. Call us at 800-586-5555 for a free case evaluation.

What Our Clients Are Saying

My attorney Alexis Altman, Esq., fought hard for our water damage claim when our Big Name insurance company refused to honor the claim. The end result is she won and we end up with an amazing settlement. I will highly recommend the Law Firm of Kanner & Pintaluga to all of my friends and family and any other associates who are in need of a good Lawyer.

MONA G.

Hurricane Damage Reviews
5.0
2019-07-11T07:20:01+00:00

MONA G.

My attorney Alexis Altman, Esq., fought hard for our water damage claim when our Big Name insurance company refused to honor the claim. The end result is she won and we end up with an amazing settlement. I will highly recommend the Law Firm of Kanner & Pintaluga to all of my friends and family and any other associates who are in need of a good Lawyer.
Kanner & Pintaluga were a huge help in reaching a settlement for my boss with his insurance company. John Edwards, Max and Grace wee extremely efficient and communicative. They were by our side every step of the way. He received his settlement money in no time and without issue. I would highly recommend them.

KIMBERLY D.

Hurricane Damage Reviews
5.0
2019-07-11T07:20:39+00:00

KIMBERLY D.

Kanner & Pintaluga were a huge help in reaching a settlement for my boss with his insurance company. John Edwards, Max and Grace wee extremely efficient and communicative. They were by our side every step of the way. He received his settlement money in no time and without issue. I would highly recommend them.
Adriana Nito is the Legal Assistant with my claim and she is wonderful. She has kept me up to date on all things happening . She always returns my calls if she is on another line . And she has coordinated all inspections and all needed with my claim. Thank Adriana.

ARNALDO SOSA

Hurricane Damage Reviews
5.0
2019-08-22T17:54:49+00:00

ARNALDO SOSA

Adriana Nito is the Legal Assistant with my claim and she is wonderful. She has kept me up to date on all things happening . She always returns my calls if she is on another line . And she has coordinated all inspections and all needed with my claim. Thank Adriana.
It was my pleasure to work with John Edwards and his assistant Grace. I had such a great experience, they were able to resolve my case in a few months. They made the process smooth, easy, and simple. I am very pleased with the results and I highly recommend the Law Offices of Kanner & Pintaluga.

WILLIAM SMITH

Hurricane Damage Reviews
5.0
2019-08-22T15:37:15+00:00

WILLIAM SMITH

It was my pleasure to work with John Edwards and his assistant Grace. I had such a great experience, they were able to resolve my case in a few months. They made the process smooth, easy, and simple. I am very pleased with the results and I highly recommend the Law Offices of Kanner & Pintaluga.
We had major roof damage after Hurricane Irma, like most people in Southern Florida. Every insurance company and person we spoke to were awful to deal with. We kept getting delay after delay and it seemed like we were never going to get the assistance we needed. A friend recommended Lauren Schaefer, with Kanner and Pintaluga, and we couldn't be happier with the help we are receiving from her and the KP team. We are still going through the process but everyone has been so great. The lines of communication are always open and we never feel left in the dark about anything.

DESIREE SCHMITZ

Hurricane Damage Reviews
5.0
2019-08-22T15:39:25+00:00

DESIREE SCHMITZ

We had major roof damage after Hurricane Irma, like most people in Southern Florida. Every insurance company and person we spoke to were awful to deal with. We kept getting delay after delay and it seemed like we were never going to get the assistance we needed. A friend recommended Lauren Schaefer, with Kanner and Pintaluga, and we couldn't be happier with the help we are receiving from her and the KP team. We are still going through the process but everyone has been so great. The lines of communication are always open and we never feel left in the dark about anything.
We have been dealing with open claims with our insurance company for over a year! Alexis Altman from Kanner & Pintaluga, P.A. was recommended to us in January 2019. We were able to settle the claims in under three months. The overall experience was really great. Alexis kept us informed every step of the way and explained all available options to us. I can only wish all professional services experiences were as great as the one that we had with Alexis. Thank you!!!!

ANDRES C.

Hurricane Damage Reviews
5.0
2019-07-11T07:16:35+00:00

ANDRES C.

We have been dealing with open claims with our insurance company for over a year! Alexis Altman from Kanner & Pintaluga, P.A. was recommended to us in January 2019. We were able to settle the claims in under three months. The overall experience was really great. Alexis kept us informed every step of the way and explained all available options to us. I can only wish all professional services experiences were as great as the one that we had with Alexis. Thank you!!!!
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Kanner & Pintaluga provide hurricane damage representation throughout Florida, including:

Boca Raton
Daytona
Delray Beach
Ft. Lauderdale
Ft. Myers
Gainesville
Hollywood
Jacksonville
Melbourne
Miami
Naples
Orlando
Tampa
Tallahassee
Panama City
Miramar Beach
Blountstown
Quincy
Fort Walton Beach
Pensacola