When a pipe bursts, the resulting water damage can be devastating to Florida homeowners. They may turn to their homeowners' insurance for coverage for the substantial bills that can shortly follow a significant plumbing problem. However, you may be surprised to learn that some insurers may delay or even deny claims for water damage caused by broken pipes, claiming that you should instead have additional flood insurance. Insurance companies are often dedicated above all to protecting their bottom line.

In fact, many homeowners encounter difficulties seeking compensation for any type of water damage claims. One significant issue that can arise is the source of the water that led to the problems. Homeowners' insurance policies often do not include damage for flooding caused by inclement weather; instead, additional policies must be purchased to address this type of flood damage. Of course, most people do not think that a broken pipe, leaking roof or other structural problem as a flooding issue requiring additional insurance. In some cases, when underground pipes and drains burst, insurers may claim that they are not responsible for covering the resulting damages.

In other cases, you may face difficulties being reimbursed for all elements of the water damage in their homes. A broken pipe or other water problem can lead to the growth of dangerous mold. Mold remediation can be costly, and the discovery often comes long after the initial incident. This can leave homeowners holding the bag for additional costs caused by the initial ruptured pipe or roof leak.

If you are dealing with water damage or a recalcitrant insurance company, our experienced insurance lawyers may be able to help you defend your rights and pursue the compensation you need. If you have questions about how to handle a homeowners' insurance claim for water damage, visit our page for additional details.

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