Car Flood Damage Claims Lawyer
Many Floridians think of flooding when it occurs during major weather events like hurricanes, but flooding can also happen unexpectedly. Heavy rainfall and localized flash floods also cause significant property damage every year. Despite your best efforts to protect your belongings, major weather events upend even the strongest plans. Hurricanes and flash floods quickly submerge everything in their path, including cars and trucks. Even if the vehicle appears safe, it only takes a few feet of fast-moving water to pick up a vehicle and send it down a path to destruction and submersion.
After a hurricane or other flooding incident, entire communities file property damage claims with their insurance companies. This is very expensive for the insurers. While the majority of companies do their best to honor the claim coverage, some may use a compensation framework that significantly undervalues your vehicle. When they pay less than the vehicle is worth, the customer has to make up the difference at a time when they are vulnerable and less likely to question the payout.
Comprehensive Total Loss Car Claims Attorney
When you purchase comprehensive insurance that includes flood damage, you have the right to expect prompt and courteous service from your insurance company. However, this is not always the case. Insurance companies may ask for continual pieces of documentation, even if it is clear the vehicle meets their stated criteria for a payout. These delay tactics can wear you down until you finally accept their low offer.
Insurance companies can also use complicated formulas to determine a vehicle’s value without providing an assessment of the vehicle’s true worth prior to the flooding. In extreme cases, they may outright deny a claim for a variety of reasons—even though the damage is through no fault of your own.
Your Florida Flood Attorney Can Help
Flood claims have strict time limits for providing proof of loss and how quickly documentation must be submitted in order to qualify for the insurance payout. There are limits on what costs can be recovered and submitting the wrong ones can result in a total denial of your claim.
Without legal help, you are fighting a giant corporation on your own. They have the advantage of their own rules, regulations and restrictions on their side, and you are trapped in a maze of documentation, proof and submissions. This imbalance is why you need the help of experienced property damage attorneys. Our team understands the requirements of the insurance system and may be able to recover more funds than the company would otherwise offer.
Members of our legal team specialize in property damage claims, including car flood damages. We proudly represent the following areas:
- St. Petersburg
- Daytona Beach
- Ormond Beach
- Fort Myers
- Cape Coral
- Ponte Vedra
- Merritt Island
- Punta Gorda
- Sanibel Island
- St. Augustine
- Palm Coast
If you have experienced car flood damage, contact Ligori & Ligori Attorneys at Law as soon as possible. Even if your claim was previously denied, we may be able to help dispute the insurance company’s findings. Contact our Tampa office today to discuss your legal options.