Water Damage Insurance Claims

Water damage to your home or business can be expensive and disruptive. Unfortunately, most commercial and homeowner insurance policies do not cover damage caused by flood. Flood coverage usually comes from a separate policy issued through the National Flood Insurance Program. However, your insurance policy may cover water damage caused by the negligence of another person, or sudden and accidental water damage from a plumbing, heating, or air-conditioning system. So if you have water damage, it is important to immediately review and understand the coverage provided by all of your insurance policies.

Making an Insurance claim

After you notify the insurance company, your next step should be to take steps to prevent further damage.At the same time, you should begin documenting your potential insurance claim. To do this you need to take photographs and/or video of everything you do and of all damaged property. Do not rely on your insurance company to adequately document your loss.

After any significant loss, read your insurance policies carefully to make sure you know what types of coverage you have. If the loss is a covered loss, the insurance company is normally obligated to make repairs with materials of like kind and quality to the original.

Mississippi Insurance Disputes

Commercial and business insurance claims can be very complex. Simply figuring out what you need to get your business back in operation can be difficult. Unfortunately, it is not unusual to have disagreements with your insurance company over things like: (1) whether covered items should be repaired or replaced; (2) the best way to re-mediate the loss; (3) the amount of lost business income owed; (4) compensation for key employees during down time; and/or (5) whether the loss is a covered loss. Insurance companies on occasion will also downplay and minimize the actual damage in order to pay as little as possible. Therefore, if you have any doubt that the insurance company is being fair, you should consider seeking help from an experienced insurance attorney.

At Danks, Miller & Cory we can help you properly document and prove your insurance claim. We will help you understand each type of coverage so that you can make the right decisions and get your business back to normal as soon as possible. Finally, we will help you negotiate with the insurance company to make sure you get all benefits due under your insurance policy.

Experienced Mississippi Insurance Attorneys

The lawyers at Danks, Miller & Cory have the experience and know how to quickly walk you through the insurance claim process. To set up a meeting with one of our insurance lawyers, contact us online or call us at 601-957-3101.