Flood Damage Lawyers in McAllen Assisting Clients in Obtaining Compensation For Their Flood Claim
The damage and devastation caused by a flood can be overwhelming to any property owner, to say the least. In the majority of cases, any structure or property that has suffered from a flood or other type of water damage is costly and will be extremely expensive to repair.
Due to the force of the floodwater, the structure of a building may be severely undermined. The water may seep into any cracks that may be present and, as a result, create mold. Accordingly, the foundation of the structure may become unstable due to prolonged moisture. If all of this was not bad enough, personal contents of the home or structure, such as furniture, clothing, and other valuables, have a good chance of being destroyed as well.
The attorneys at Flores & Pelaez-Prada PLLC are highly qualified to deal with flood damage claims. Consistently, we have witnessed insurance companies attempt to change or modify their policies in an effort to reduce the amount of money that they are obligated to pay out for flood damage claims. Our attorneys are not afraid to stand up to the insurance companies and fight for the financial compensation that you were promised within the terms of your policy.
Contact Flores & Pelaez-Prada, PLLC by calling 855-STORMS-4 and asking to schedule a free claim review. We will be happy to answer your flood damage questions as well as review your policies.
Is Flood Insurance Included in My Standard Homeowner’s Insurance Policy?
In Texas, flood insurance is an insurance policy that you purchase separately from your homeowner’s insurance. Flood insurance is designed to cover any water damage that may occur due to flooding to your home, personal belongings, or any other separate structures included on your property.
A standard homeowner’s insurance policy typically covers any water damage that occurs due to plumbing issues. One example would be if a pipe were to burst and cause a flood within your home. However, flooding from natural disasters is not included unless you have a separate policy specifically for flooding.
What Does Flood Insurance Cover in Texas?
Flood insurance is broken down into two categories.
Building Coverage: This type of coverage is meant to protect your primary residence and other structures that may be present on your property. Although coverage may vary somewhat through different insurers, there are basic components that are mostly the same. Some of them include the following:
- Water heaters and furnaces
- Plumbing and electrical systems
- Permanently installed carpeting
- Permanently installed bookcases, paneling, and cabinets
- Detached garages
- Staircases, anchorage systems, and staircases
- Solar equipment
Contents Coverage: This coverage is designed to reimburse you so that you may be financially able to replace personal property that was damaged or lost due to the flood. Some of the personal items covered include:
- Currency and other valuable items such as jewelry and precious metals
- Window unit and portable air conditioners
- Washer and dryer
- Any items stored in a basement
Can an Attorney Help Me if My Flood Damage Claim Has Already Been Denied?
It is important to understand your legal rights and what can be done when your insurer wants to deny your claim. If your flood damage claim has been denied, the attorneys at Flores & Pelaez-Prada PLLC may be able to help you dispute the insurance company’s decision.
The first thing that is important to understand is what you are up against in terms of understanding your rights as a policyholder. In circumstances such as this, it is imperative that you speak with a qualified attorney who understands flood insurance claims. An experienced attorney can guide you through the often difficult-to-understand process involved in the claims process.
As such, there are several different aspects of your claim that an experienced attorney can suggest and assist you with disputing the insurance company’s decision.
Arrange For Independent Assessments of Your Flood Damages/Losses: An attorney can assist you with having independent experts come and assess the damage your property has sustained due to a flood. These assessments are invaluable when it comes to proving that your losses deserve to be paid.
Interpret Confusing Legal Terms of Flood Policies: As with any other legal document, the terms outlined in flood insurance policies can often be confusing and difficult to understand on your own. Our attorneys can review your policies and determine both your legal rights and responsibilities and how they both affect your claim.
Prepare to go to Litigation if Necessary: If it becomes necessary to take your claim to court, you need an experienced attorney who is not afraid to stand up for your rights in court. The insurance companies employ teams of lawyers whose only job is to find loopholes where they may deny a claim.
Fight For a Positive Resolution For Your Claim: Even if your case does not end up in the litigation phase, you need an attorney who is qualified to negotiate with your insurer to obtain the positive outcome that you deserve. Our attorneys have a great deal of experience when it comes to effectively communicating and negotiating with insurance company representatives.
Why Should I Hire A Flood Damage Attorney in McAllen, TX?
We recognize that this is an exceedingly difficult and most likely a traumatic time in your life. If you are experiencing issues with your insurance company trying to undervalue, delay, or even deny your flood damage claim, you need an attorney who lives within the community and understands your situation.
The attorneys at Flores & Pelaez-Prada PLLC are committed to helping you obtain the compensation that the insurance company may owe you. Contact our law offices by calling 855-STORMS-4 and schedule an appointment with a member of our legal team today.