Water Damage Insurance Claims
Why You Need a Specialized Water Damage Insurance Claim Attorney
Water damage insurance claims are among the most common and most complex property claims. Michigan’s unpredictable weather, aging infrastructure and confusing policy language make it easy for insurers to deny or underpay valid losses.
With extreme rainfall events now 42% more intense in the Midwest than 50 years ago, property owners face growing risks of sudden water intrusions from burst pipes and roof leaks to sewer backups and appliance failures. Insurers often use technicalities to minimize payouts, but our attorneys help homeowners and businesses recover the full value of their claims.
Understanding Your Water Damage Coverage
Most policies only cover “sudden and accidental” water losses but what qualifies is often disputed. Our attorneys regularly handle:
Burst Pipes & Frozen Plumbing: Frozen or burst pipes can cause major damage, yet insurers frequently deny coverage by blaming poor maintenance. We gather the facts and expert support to prove your loss was sudden and covered.
Appliance Failures: Water heater leaks, washing machine hose bursts or dishwasher overflows are often covered, but only if they’re proven accidental. We ensure the insurer doesn’t misclassify the event as “preventable.”
Storm-Driven Roof Leaks: Wind, hail or ice damage can breach a roof and cause interior leaks. Insurers often point to “wear and tear” to deny these claims. We analyze your policy and evidence to establish coverage.
Common Water Damage Exclusions
Many claims are denied due to exclusions hidden in the fine print. Knowing them early, and having legal help to challenge them, can make the difference between recovery and loss.
Flooding from Outside the Structure: Rising water from heavy rain, rivers or snowmelt is often excluded under standard policies unless you carry flood insurance.
Sewer or Drain Backups: Without a backup endorsement, insurers typically deny coverage for sump pump failures or drain overflows.
Gradual Leaks or Hidden Damage: Insurers often label long-term leaks as “maintenance issues” to avoid paying. We counter these claims with evidence and expert analysis.
Mold and Mildew Limitations: Even when water damage is covered, mold remediation may be capped or excluded entirely. We identify ways to pursue full recovery for remediation costs.
Protecting Your Rights After Water Damage
Many property owners only learn about exclusions after their water damage insurance claim is denied or undervalued. Our attorneys step in to challenge wrongful denials, interpret complex policy language and demand full payment for your loss.
If your claim has been denied, delayed, or underpaid, or you’re unsure about coverage, contact our office. Early legal guidance helps protect your rights and maximize your recovery.