Did your home, condo, or business sustain water damage? Insurance company screwing around? No one’s helping?
Don’t be ignored–call Evan!
Evan used to worked for insurance companies defending Hurricane Katrina claims. He understands the tricks insurance companies use to deny water damage claims. Now he helps people who have water damage claims. Call Evan, maybe he can help!
You need to distinguish between water damage and flood damage. Most policies cover the water damage but not flood damage. And you need to determine the extent of water damage and its lingering effects on your property and health. Call Evan for help!
Check this out: How Insurance Claims Work
Here’s some more info: What To Do When Your Homeowners’ Insurance Claim Is Denied.
Did you know water damage can be a trespass lawsuit?
What Are The Types Of Water Damage?
Water damage to your home can be devastating. Water seeps into your walls, floors, and personal property. Water can damage your foundation. The loss to your property from water damage can be staggering. Often insurance companies aren’t willing to pay for your entire loss.
Generally, there are three types of water damage:
- Clean water damage;
- Grey water; and
- Black water
Clean water damage is less severe. Most clean water damage is from broken pipes or fixtures, which is why it’s called “clean water.”
Grey and black water damage are more severe. This can mean toilet or sewage water. This type of damage can cause serious health problems!
Water damage can cause mold to grow on your property. Mold is a problem that needs to be seriously addressed as soon as possible. It’s important to act quickly.
What Are The Causes Of Water Damage?
Common causes of water damage can be plumbing, piping, or backups. It could also be caused by appliance installations, weather, or HVAC units. Water damage may be caused by a neighbor, a repairperson, or a municipality. Or sometimes it just occurs and no one’s at fault.
Here’s some more info: Water Main Breaks And Flood
What To Know About Water Damage Claims
If you are disputing with your insurance company about water damage, you should contact a San Diego Water Damage Lawyer experienced with these claims. Read Evan’s blog about “El Niño Cometh: Understanding your Homeowners Policy.” Read too about appraisals, replacement cost coverage, and anti-concurrent causation clauses.
There’s a lot of info you should know. Evan can help.
Evan has talked to San Diego news stations about water damage claims. He’s also taught other lawyers about them. See his YouTube page for some of his tv interview and seminars on water damage and insurance.
Evan worked for and defended insurance companies during the first 7 years of his practice. During that time, he defended insurance companies against Hurricane Katrine claims. He knows water damage claims from both defense and plaintiff perspectives.
While living in New Orleans, Evan worked for insurance companies defending water and flood claims caused by Hurricane Katrina. He read through dozens of insurance policies to determine ways to deny claims. That’s what insurance companies require. Now Evan’s fighting back.
If your property or business sustained water damage and there’s a dispute between you and the insurance company, contact Evan, a San Diego Water Damage Lawyer who handles water damage claims.
Evan’s first years of law practice were spent defending Hurricane Katrina claims in New Orleans. He understands the tricks insurance companies use to deny your claim.
Call (858) 324-6606 for your free consultation.
Immediately determine the extent of the damage. Undiscovered water damage can seep into your property causing significant damage and even mold.
It depends on the extent of the damage. Category 2 water damage could be a few thousand dollars. Category 3 can be a total loss.
Homeowners insurance should cover water damage if the leak was sudden and accidental. It will not cover flood damage. Floodwater means outside water coming in.
It depends on the source of the water and the type of home. For example, water damage from a broken sink in a single family room may be your responsibility. Water damage from a broken sink in an upstairs condo unit, however, may be the responsibility of that upstairs unit owner or the HOA. Water damage from flood may be the responsibility of your neighbor or even the government.