According to the Florida Climate Center, the sea levels in the Sunshine State have risen by about 8 inches over the last 75 years. This suggests that many homeowners in FL are at risk of having to file water damage claims at some point.

If you ever end up with too much water in your home, it could cause extensive damage. You should consider filing a water damage claim with your insurance company.

Ideally, those filing water damage claims in Florida will have them approved quickly. However, denied water damage claims in the state have become increasingly common.

Find out what you should do if you have a claim denied by your home water damage insurance company below.

See Why Your Claim Was Denied

If your insurance company chooses to deny a water damage claim, they’ll inform you with a denial letter. This letter should spell out why your claim has been denied.

Read through this letter carefully to see what your insurance company has to say. With a little luck, you might simply need to submit additional documentation to your insurance company to convince them to reverse their decision.

At any rate, try not to feel too discouraged when you have an insurance claim denied. You still have options when it comes to trying to have this claim approved in the end.

Gather More Evidence To Support Your Claim

If the denial letter you receive from your insurance company indicates that you didn’t provide enough evidence to support your initial claim, work to change that immediately. Collect as much evidence as you can to show that your insurance company should reconsider its decision.

Here is some evidence you can look into securing for your water damage claim:

• Photographs and videos that showcase the water damage done to your home
• Estimates that reveal how much it will cost to repair water damage
• Witness statements that prove the devastation that water damage caused

File a Formal Dispute With Your Insurance Company

Once you’ve collected enough evidence to strengthen your water damage claim, reach out to your insurance company. Ask them about the denial letter you received and explain why you believe your claim should have been approved.

Your insurance company can provide information on disputing insurance denials. Follow their instructions to put your claim in the position to be approved upon further review.

Contact a Lawyer for Insurance Claim Assistance

If you file a formal appeal with your insurance company and still can’t seem to convince them to approve your water damage claim, you’ll need to go above and beyond to try to push your claim through. Speak with a lawyer who routinely handles insurance claim assistance.

A property insurance attorney from Warner & Fitzmartin, PLLC, can lend a helping hand as you seek to reverse your insurance company’s decision. They can set you up with the water damage coverage tips you’ll need to increase your chances of having a claim approved.

Call Us If You’ve Had a Water Damage Claim Denied

So many Floridians are forced to deal with water damage every year. It can wreak havoc on their homes and cost them a lot of money. In especially dangerous situations, it can even put their homes and health at risk.

Warner & Fitzmartin, PLLC, is here to help those who have had water damage claims denied in Florida. We can work to have your denied claim approved at the conclusion of your case.

Contact us at (561) 803-0167 to speak with a property insurance lawyer about your denied claim. Don’t let this opportunity go without exploring the appropriate legal options.