After paying homeowners insurance premiums for many years, you may be disturbed when your claim for damages is denied or reduced. We assist with submitting claims and appealing denials. We have a track record of success when it comes to fighting the insurance industry on behalf of homeowners. Some areas we work in include, but are not limited to:
Storm/Hurricance Irma damage
Most people who have homeowners insurance are covered for structural and property damage caused by wind, lightening, and hail, but not for groundwater damage due to flooding. There will be coverage for water damage that occurred because the wind blew off roofs or shattered windows.
Mold damage is caused by water leakage and whether or not it is covered depends on how the water got into the home. Mold damage that occurs from sudden bursts of from water pipes are most likely covered. Mold damage that develops over time due to lack of home maintenance may not be covered.
Coverage depends on the source of the water damage. Water damage from floods is not covered in a standard policy, but may be purchased separately. Water damage from a suddenly bursting pipe is likely covered. If the pipe burst due to lack of proper maintenance, the damage may not be covered.
Fire damage is covered by most every homeowners insurance policy. Contact us at Winthrop Law Offices for help in collecting on your homeowners claim for damages. We are located in Boca Raton, West Palm Beach and Fort Lauderdale. For our homeowners insurance clients, we serve clients in the entire state of Florida.