Luckily, if your home or business has suffered from water leaks and damages, there are several steps you can take to make a claim. However, you need to be careful not to make any mistakes that could cause you to lose your insurance claim. If you do make a mistake, make sure you get the help you need from an experienced insurance housing disrepair solicitor.
Check with your agent about what is and isn’t covered by your homeowner’s policy
Taking the time to check with your agent about what is and isn’t covered by your homeowner’s policy for water leaks and damages can help you protect your home and your possessions. It can also help you determine if you need to purchase additional coverage to protect against the unforeseen.
The type of insurance you purchase will determine what type of damage is covered and how much. Some policies may not cover the full cost of repair or replacement, but most will. Your home insurance policy will likely have a deductible, which is the amount you pay before your insurer begins to cover any costs.
Standard homeowners insurance covers accidental water damage. This includes leaks from pipes and plumbing. However, it may not cover leaks from drains or sewer lines.
Standard home insurance policies will not cover damage caused by war, acts of terrorism, or nuclear hazards. Additionally, damage caused by bird or rodent infestations, rot, and mould is generally not covered. These are problems that can be prevented with regular maintenance.
Home insurance may also not cover damage caused by slow leaks. These leaks can lead to hidden problems such as mould and moisture. It is important to report these problems as soon as you notice them.
Get an experienced insurance claim lawyer to help you
Whether you have experienced a burst pipe or other major water damage, you will need to hire an experienced insurance claim lawyer to file a claim compensation for water leaks. Your insurance company has a legal obligation to process your claim in good faith, but may try to deny your claim or dispute its coverage. If your claim is denied, you may be able to pursue litigation against your insurance company.
An attorney can help you understand your policy and negotiate a fair settlement. He can also investigate your claim and determine if the insurer denied your claim in bad faith. Getting an attorney’s opinion can make the process less confusing and stressful.
The insurance company may use certain tactics to deny your claims, such as excessive damage assessments, lowball settlements, and denials based on technicalities. Your attorney will help you determine whether your claim was denied in bad faith and if so, pursue litigation to pursue your claim.
The company’s adjusters are unlikely to cover the entire extent of the damage, which means they may miss other issues such as mould and mildew. Additionally, they may try to convince you that the cost of repairs is less than your deductible.
A water leak insurance claim lawyer can help you develop a strategy to protect your property and recover any losses you may incur. He can negotiate on your behalf, document the damage, and work with the insurance company to determine a fair settlement.
