Flood insurance is a touchy subject for insurers and property owners alike. Flood damage is routinely excluded from standard residential or commercial property policies, and if you live or operate a business in an area prone to seasonal flooding, chances are that flood insurance on the private market will be prohibitively expensive or not offered at all.
Experienced insurance coverage attorneys understand that just because a property loss was caused by water, the flood exclusion will not necessarily let the insurance company off the hook for compensating your loss. In many cases, even hurricane water damage can support a claim for insurance coverage. Contact the Provost Umphrey Law Firm L.L.P. for a free consultation about your ability to recover payment for water damage if your insurer denies or delays payment on your claim.
Texas Water Damage Claim Attorneys Experienced With Insurance Disputes
With offices in Beaumont, Tyler, Little Rock and Nashville, our attorneys are experienced with the proof and recovery of insurance claims even after the insurer refuses coverage on the basis of the flood exclusion or other grounds. We know how to show how heavy rain, soil saturation, limited reservoir capacity, or roof or foundation failures in a building can account for water damage in ways entirely unrelated to flooding.
At some risk of oversimplification, a flood for insurance purposes is the inundation of land that is normally dry by an overflow from a river, lake, pond or other body of water. In our firm's experience, it is entirely possible to prove that water damage in a given case resulted from any number of other causes.
When necessary, our lawyers work with experts from many different fields, including meteorology, hydrology, geology and construction engineering, to show that a particular property loss resulted from water damage unrelated to a flood in the technical sense of an insurance policy exclusion.
Call 866-672-2585 in Texas, Arkansas or Tennessee
For more information about Provost Umphrey's ability to help homeowners and business owners recover payment for water damage despite an insurer's initial denial of the claim, contact us at any of our four office locations for a free consultation.
