Florida and Louisiana Flood Insurance Claims Attorney
At Parrish Law, we understand the devastation and emotional toll that can be caused by flood damage to your home or business. Flood claims are administered pursuant to federal statutory law and are typically handled by (or pursuant to guidelines set forth by) the Federal Emergency Management Agency (“FEMA”). Unfortunately, the process of filing a flood insurance claim can be complex and confusing, and there are strict time limits for filing your claim. That’s where Parrish Law comes in – we are here to help guide you through the claims process and ensure that you receive the compensation you deserve.
Filing a Proof of Loss & Understanding Coverage Limitations
One of the most important things to understand when it comes to flood insurance claims is the need to file a proof of loss. This is a document that sets forth the extent of your damages and the amount of money you are claiming for those damages. It must be filed within 60 days of the flood or within any extended period of time granted by FEMA. Failure to file a proof of loss can result in the denial of your claim. Parrish Law can assist you in preparing and filing your proof of loss, as well as any necessary appeals if your claim is denied.
It’s also important to understand the coverage limitations in your flood insurance policy. For example, most policies do not cover damage to your basement or any items located in your basement. Additionally, there may be limits on the amount of coverage for certain types of damages, such as loss of use or additional living expenses. At Parrish Law, we will thoroughly review your policy to ensure that you are receiving the maximum amount of compensation to which you are entitled.
Differentiating Between Flood and Wind Damage
Another key issue in flood insurance claims, especially in the event of a hurricane (where the perils of both windstorm and flooding may be present) is the need to differentiate between flood damage and wind damage. While flood damage is typically covered by a flood insurance policy, wind damage is typically covered by a homeowner’s insurance policy. Furthermore, sometimes differentiating between flood and wind damage may be an extremely difficult task. It has become more and more common, in the event of a hurricane where both flooding and windstorm damages has occurred, that the policyholder’s flood adjusters point their fingers at wind (as the cause of loss) while, at the same time (and vice versa) the wind adjusters point their fingers at flood (as the cause of loss). When this happens, the policyholder is left with a denial of their claims on both policies and facing substantial out of pocket repair bills that should be covered and payable by their insurance companies. Therefore, it’s important to have an expert forensic witness who can determine the cause of the damage and differentiate between the two. Parrish Law has a network of trusted expert witnesses who can help us build a strong case on your behalf.
Denial of Claim and Litigation
If your flood insurance claim is denied, you may need to pursue your claim in federal court. This can be a complex and time-consuming process, but Parrish Law has the knowledge and experience to guide you through it. We are meticulous and goal-oriented in our approach to litigation, and we always maintain the highest standards of professionalism and ethics.
Parrish Law: Your Advocate in Flood Insurance Claims
At Parrish Law, we believe in treating our clients like family. We take great pride in our work and have a proven track record of excellent results. We understand that you are going through a difficult time and we are here to help. Let us use our collective experience and expertise to assist you with your flood insurance claim. Contact us today for a free consultation.