Out of all the various types of homeowners’ insurance and property damage claims, water damage claims are easily one of the most common. Despite their frequency, they also remain one of the more complicated types of claims for policyholders. In particular, confusion can stem from the fact that insurance policies separate different types of water sources into different policy types.
While these distinctions can be a legitimate business practice, it must be clearly stated in policy contracts. When they are not, a water damage claim can quickly become a dispute based on potential insurance bad faith. If you suspect that your claim is being mistreated by your insurer, Gowan Elizondo & our Corpus Christi insurance bad faith attorneys can assist you in setting things right.
Contact our firm to tell us about what is going on. Call (866) 833-0088 today.
An insurance company that is set on rejecting your claim will rely heavily on you making critical mistakes, such as not being able to prove clearly that your property was damaged by the water in question. It is important to do what you can to catalogue your property as soon as you notice that water damage is affecting your home. Ideally, you will have a premade catalogue of your valued possessions in pristine condition so you can compare both catalogues later.
If the water damage is still occurring from a leak, storm, or flood, do what you can to prevent further damage but do not do anything that puts yourself in danger. Sandbags around the outside of your home can make a huge difference. If the water damage is internalized, opening all windows and keeping circulation flowing throughout the house can help prevent mold buildup. You may need to consult with a professional appraiser to get a full idea of how much water damage has actually affected your home.
When you have been told that your water damage claim is denied or delayed without any full explanation, you should be suspicious that insurance bad faith could be unfolding. The same can be said if you never hear from a property inspector yet your insurer states they have calculated a fair estimate of your damages. As a general rule, it is better to be safe than sorry when dealing with insurance companies and sizeable damage claims.
Contact our Corpus Christi insurance claim attorneys to get a free consultation. We can point you in the right direction at no risk to you, letting you know if you might need to prepare for a lawsuit or not.