Whether you have a home at the shore, in the mountains or next to a stream, having flood insurance is a smart way to protect your investment. Just when you think you don’t need it, a storm produces flooding in your neighborhood.
Flooding can happen anywhere, but usually in flat land where the water cannot run off into a sewer, a stream or dry basin. It can also occur when there is no grass to absorb the water, such as streets and concrete pads. Flooding that develops rapidly is called flash floods. This is when there is an excessive amount of rain in short amount of time. The drainage in the area cannot handle the overload of rain. Other causes of flooding, especially in coastal areas, are wind and tidal surges. Super Storm Sandy caused millions of dollars’ worth of flooding damage. Unfortunately, there were a number of insurance companies that unjustly reduced payments to homeowners. As you can imagine, this caused thousands of lawsuits. And there were just as many contractors who took advantage of homeowners. According to the National Flood Insurance Program, over 20% of flood claims are from areas that are not high risk for flooding.
When flooding a happens, you should document the losses with your cell phone (photos and videos). You may also need to contact the fire department and local health department depending on the severity of the flooding and safety hazards. Next, contact your insurance company to file a claim. You only have 60 days from the date of the flood to file a claim. You should know if your claim has been approved or denied within 30 days of filing it. The attorneys at Saffren & Weinberg can go over your policies to determine what is covered and how to calculate the worth of your valuables.
Insurance companies will try to minimize the damage a flood has done to your home or business. Don’t let them get away with this! If your flood insurance claim has been denied the federal government or a private insurance company, you can count on Saffren & Weinberg to hold them to their contractual obligations and get the full payment you need in a timely manner. We don’t stop fighting until a favorable outcome is achieved.
Get all the facts you need to understand the inner workings of your case. Saffren & Weinberg is here to provide you a voice for justice. We want to help you get the compensation you deserve.
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