How water damage can affect your home

We know that in many cases, water can be a significant problem for your property. There are a series of inconveniences that can arise from different sources, and it is necessary to know the risks that this can cause. We all wish we didn’t get to the point of needing it, but in case your home is affected, it is best to contact a Miami water damage lawyer to deal with this difficulty.

The damage to the property can arise from a broken pipe, a flood or a storm or hurricane. It could also happen that the sewers are overflowing or that there is a sudden discharge that does not give warning to prevent damage. In any of these circumstances, having a water damage attorney can save you more than a headache.

Property damage can be minor or major depending on the case. In broken pipes or structural moisture, the damage increases over time. You may not notice it at first, but the problem is already emerging. A damp spot or a simple drop can be signs of a bigger problem that lies ahead. In the case of floods or storms, the damage is usually more sudden and unpredictable, with consequences that can be serious. In either case, a water damage attorney can identify the best strategy for insurance to cover repair costs

Miami Water Damage Lawyer: Does your insurance cover water damage?

Due to the climate in Florida, where severe storms and hurricanes are common, insurance claims for water damage are common. For this reason, many people make sure they have this type of coverage when hiring insurance. However, we know that many times the insurance letter can be misleading. That’s why an experienced water damage attorney like Mario Serralta can be of great help.

The first thing to check in these cases is that the insurance actually has water damage coverage. Regardless, even if this is the case, it is always a good idea to contact a water damage attorney even before contacting the insurance company. Why? There are several reasons. In the first place, the lawyer will always be on your side, trying to make the case favorable to you. Additionally, expert attorneys can accurately interpret contracts and find the plus points for your case. In the event of having to deal with the company, a lawyer will know how to impose conditions and file a lawsuit, if necessary. This can be useful when the company refuses to cover the costs caused by the water.

Reasons why your insurance could be denied

There are many reasons why an insurance company may refuse to cover damage. In some cases, the company may have valid reasons for refusing. But in many other cases, the denial may be ill-founded, or simply a strategy to reduce the cost of the insurer. Therefore, the water damage lawyer must be intelligent to carry out the claim and that the negotiation reaches a successful conclusion.

Generally, the company will refuse to cover for one of the following reasons:

• Avoidable maintenance problems or failure to repair: if it is shown that the property has not been properly repaired or maintained, the insurer may refuse to cover the cost.
• Long-standing leak or construction failure: if any of these reasons are found, the insurance can claim initial ignorance at the time of signing the policy and ignore the expense. A water damage attorney is essential to negotiating these cases.
• Lack of National Flood Insurance Program (NFIP) coverage at time of claim.

The company’s refusal may be well-founded but, in any case, an expert lawyer like Mario Serralta may help to reach agreement. In addition, in many cases the company is refusingSimply as a precaution. In these cases, having a water damage attorney is essential for the claim to come to fruition. The insurer may be misinterpreting the terms of the contract or making a maneuver to avoid payment of the damage.

Trust a Miami water damage lawyer

Whatever case you find yourself in, don’t hesitate to contact a water damage attorney. Even when the insurance company is willing to take over, the actual damage the water has caused is often overlooked. The insurer will try the easiest way to quantify the damage, leaving out many details. Instead, the lawyer will defend her interests and make sure that all the expenses caused by the water are covered.

Once all the pertinent information is gathered, the water damage attorney will have a stronger argument to fight the claim. This will ensure that all damages, from the smallest to the largest, will be included in the compensation. Also, this way you will know exactly how much the repair will cost. It is very common for the company to underestimate the repair cost in order to pay less and save some money. This not only hurts you at the time of collection, but also makes you overlook a good part of the real cost of the fix.

Instead, an experienced Miami water damage lawyer like Mario Serralta will be entirely on his side. He will not be interested in saving the company money, but in making you receive the compensation you deserve for the perceived damage.

Claims of roof leaks

Roof leaks are very common in homes throughout Florida. However, it is not so well known that the consequences can be much more serious than imagined. In the best case, only one room of the house will be affected, but it is also possible that the problem expands to the entire property. Faced with these types of problems, insurance companies can put some obstacles before claims, so as not to cover expensive repairs. For this reason, a roof leak attorney is essential to ensure the best result in the claim.

Leaks in the roof can cause the weakening of the structure, so they must be addressed very quickly. The integrity of the home is at stake in these cases. This problem can even pose a risk to your health, since the leaks create the conditions for fungus and mold to develop. Spread through the ventilation ducts, mold is inhaled and causes respiratory problems that can become serious.

On the other hand, a roof leak can also be the cause of a fire. Water, if it comes into contact with wiring or an electrical appliance, can cause a short that starts a fire. Therefore, it is important to take action and repair the leaks as soon as possible. This can be expensive and in some cases even requires you to temporarily move out of the property. A Miami roof leak lawyer will make it easy for you to file an insurance claim, so you don’t have to cover these and other costs out of pocket.

Miami Roof Leaks Lawyer: How to spot them?

One ​​of the first signs that identify a leak is the appearance of damp spots on the ceiling or walls of the house. They usually appear brown in color and are often difficult to identify if they are in a dark place. If you notice any such stains, contact a roof leak attorney to start an investigation. Even a small stain can mean a bigger leak.

In other cases, you can directly see a drip coming from the ceiling. This can be constant or occasional, appearing and disappearing over the course of hours or days. This will depend on the amount of rain that is falling at that time. An intermittent leak can be just as serious as a constant one, so don’t underestimate these types of issues.

Signs of leaks can also appear on the outside of the house. If you see water stains on top of the walls, moss or mold, then you probably have a leak. Also the lack of tiles can mean a beginning of filtration. Although at the moment it is only affecting the attic, in the event of heavy rain the problem can spread rapidly. Don’t delay in calling a roof leak attorney to take the necessary action as soon as possible.

Find out if your insurance covers these damages

Insurance companies often go to great lengths to avoid covering the costs of roof leaks. They are likely to claim that the roof is not properly maintained, such as missing shingles that were not properly replaced. Or, that it is simply too old and that is the reason for the leak.

Roof material is one of the main factors companies use to deny compensation. If your roof is wood or metal, it’s a good idea to have a roof leak attorney review your policy to make sure you’re covered. These materials usually represent a greater risk against water and in many cases are not covered by the policies.

Damage caused by weather (rain or hail), lightning, vandalism or electrical explosion are usually covered by insurance. Also home or forest fires that may cause damage to the roof of the property. However, some of these risks are not present in all insurance, so reviewing the policy and being aware of the risks is essential. To make sure you understand all the terms, consult a roof leak attorney like Mario Serralta who can advise you on these matters.

Hire a Miami Roof Leak Lawyer

In cases of roof leaks, it is highly likely that the insurance company is pursuing its own interest. They will resort to technicalities or complex clauses of the policy to reduce the amount of coverage or even deny your collection completely. In order to minimize the cost to the company, insurance employees will use their skills gained through years of experience. To put yourself on a level playing field, you should have a roof leak attorney who defends your interests in the same manner and with the same knowledge as the other party.

At the first signs of leaks, it’s best to act quickly and smartly. Going to a roof leak lawyer with the experience of Mario Serralta before calling the insurer is a wise decision. We will make available all the knowledge and experience in similar cases, guaranteeing that we will only defend your interests.

Investigating the causes of leaks is a critical step, and cannot be left to the insurance company alone. Miami roof leak lawyer will be part of this process, bringing all his experience in similar cases. In addition, you will be able to read the policy in detail, in order to determine what damages are covered and obtain a fairer compensation. Lawyers do not get paid until you receive your compensation. In this way, you will ensure that you have the best representation in the claim, since the professional will only defend your interests.