What are the laws regarding rain flooding a house andan insurer’s duty to pay for the damage?
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What are the laws regarding rain flooding a house andan insurer’s duty to pay for the damage?
Asked on September 17, 2010 under Insurance Law, Texas
Answers:
M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney
Answered 13 years ago | Contributor
Ok, lets start from the beginning. You own a home and the home is insured. You are sure that it is insured for flooding, correct? Do you have your insurance policy handy? Read it and see what it says. If you do indeed have flood insurance then they are obligated to cover you for your loss. You have to report the loss timely (and I may do that by formal writing as well as by phone) and they have to send out an adjuster to review the damage and inventory and document everything. They should take pictures and measurements, etc. They should issue you a timely report and check and you have a right to contest the amount if the property can not be repaired or replaced for the amount allocated. If they do not, then seek legal help. Good luck.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.