Flood Damage Insurance Claim Denial

Texas weather can be wild and unpredictable, as proven by this summer. After months without rain, the pattern broke and the clouds opened. An onslaught of wet weather dropped historic rainfall totals, saturating the ground and swelling rivers and lakes. After a short break, the wet weather returned and floodwaters swept into homes and businesses across Texas.

Our weather often runs at the edge of extreme, and flooding can leave homes and businesses damaged or destroyed. When the water recedes and cleanup begins, a flood damage claims lawyer can be your best ally. Insurance companies say they want to help, but when claims stall or stop, the attorneys at Schechter, Shaffer & Harris can help you get a just and timely settlement.

Can it be Saved?

Home and business owners often want to know what items can be cleaned, dried out and used again. Some things can be saved, but other flooded articles will have to be removed and replaced.

Saved:

• Clothing, jewelry and glassware
• Plates and Silverware
• Real wood furniture
• Appliances and electronics after inspection

Replaced:

• Mattresses
• Wood veneer furniture
• Toys and stuffed animals
• Carpet padding
• Baseboards and wallpaper

Remember to document all items with photographs and video. Document even items that appear to be salvageable, because that may change. Damage from a flood can take time to become evident. Problems like mold growth and foundation movement can appear weeks or months after the storm.

A rush to settle claims will often miss these problems.

Insurance Settlement Offers

Insurance companies sell the idea that your flooded assets will be covered. When the rain stops and property owners make flood damage claims, insurance adjusters will attempt to make the lowest possible offer. Flood victims will often jump at the first bid, taking the payment to start the rebuilding process.

Don’t take the bait – this initial offer is aimed at keeping money in the pocket of your insurance company. At Schechter, Shaffer & Harris, our flood damage insurance claim denial attorneys have decades of experience in successfully negotiating the full compensation you’re owed. We will work for the financial payout you need for a full recovery at your home, business or commercial property.