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Are you fighting the tide to get insurance for flood damage?

On Behalf of | Dec 21, 2021 | Residential Homeowner's Insurance Litigation

“Water water everywhere, nor any drop to drink.” Written almost two centuries ago, the line from Samuel Coleridge’s “The Rime of the Ancient Mariner” may sum up your situation if your home suffers flooding.

Storms and other weather events can disrupt your supplies of drinking water as well as fill your home with water you cannot drink.

When such an event happens, you naturally turn to your insurer for help. Events such as these are why you pay them. Yet, as many homeowners have found out, insurers are not always keen to bail you out.

Here is how home insurance should work

You and other homeowners pay your insurer a monthly sum. They charge each of you enough that when one or some of you need to claim, they have the funds to pay for the damage you suffer. It is a calculated risk for them and you, but one they know more about.

Here is how it often works

Your property floods, you file your claim and … nothing. You try to ring or email the insurer again and … nothing. When and if you finally get an answer, it is not the one you want. The carefully worded letter says they are very sorry, but cannot help on this occasion.

Or they say yes, of course, and please find a check for not nearly enough enclosed. When you ask why so little, they return with another polite letter referring you to yet another obscure clause you do not recall seeing in the policy document.

Repairing a water-damaged property and replacing items the water destroys beyond repair can be incredibly expensive. You may also incur costs such as temporary accommodation until you can move back into your home.

Having help to understand what your insurance policy should cover and challenge the insurer’s decision not to cover specific costs will be crucial to ensure that flooding does not leave you high and dry.

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