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 invest in comprehensive insurance coverage, specifically to safeguard against flood damage, you rightfully anticipate a level of responsiveness and professionalism from your insurance provider. Regrettably, this expectation isn’t always met. Despite having clear criteria for payout eligibility, insurance companies sometimes prolong the claims process by repeatedly requesting additional documentation, causing unnecessary frustration and delays. These tactics can wear down policyholders until they reluctantly settle for inadequate compensation.
Moreover, insurance companies frequently employ complex valuation formulas to assess the worth of a flooded vehicle without transparently disclosing the methodology or providing an accurate appraisal beforehand. This lack of transparency can lead to undervaluation and disputes over fair compensation for the loss incurred.
In extreme cases, insurers may outright deny valid claims, citing various reasons, despite the evident absence of policy violations or fault on the part of the policyholder. Such denials can compound the stress and financial strain already experienced due to the unforeseen damage caused by flooding.
Policyholders deserve transparency, fairness, and timely resolution when filing claims for flood damage. Dealing with the aftermath of a flood is already distressing enough without encountering additional obstacles from insurance companies. It’s imperative for insurance providers to uphold their contractual obligations and act in good faith when processing claims, ensuring that policyholders receive the support and compensation they rightfully deserve during challenging times.
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:
- Clearwater
- St. Petersburg
- Daytona Beach
- Ormond Beach
- Fort Myers
- Cape Coral
- Jacksonville
- Ponte Vedra
- Melbourne
- Merritt Island
- Naples
- Orlando
- Ocala
- 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.