Water Insurance Claims Attorneys Farmington Hills MI
Michigan’s unpredictable weather and aging infrastructure can wreak havoc on your property. A burst pipe in winter, a heavy downpour overwhelming your gutters, or a backed-up sewer line can all lead to a homeowner’s worst nightmare: water damage. While most homeowner’s insurance policies offer some form of water damage coverage, dealing with the claims process can be complex and frustrating. Here at Fabian, Sklar, King & Liss, our experienced attorneys understand the intricacies of water damage claims and are committed to helping Michigan residents obtain fair compensation for their losses.
Know Your Coverage: What Does Your Policy Cover?
The first step is understanding what your homeowner’s insurance covers in the event of water damage. Generally, most policies cover sudden or accidental water leaks from:
- Burst or Frozen Pipes: A common culprit in Michigan’s frigid winters, burst pipes can cause significant damage. Your insurance should cover repairs to the pipe itself, as well as the resulting water damage to your home’s interior.
- Appliance Malfunctions: A malfunctioning dishwasher, washing machine, or water heater can unleash a torrent of water. Most policies cover these incidents, though some may have limitations depending on the cause of the malfunction (e.g., lack of maintenance).
- Roof Leaks: Heavy rain or hail can overwhelm your roof, leading to water seeping into your attic or living space. Insurance typically covers these situations, but damage caused by a faulty or aging roof may be excluded.
Beware the Exclusions
Not all water damage is created equal. Here are some common types that might not be covered by your standard homeowner’s insurance:
- Flood Damage: Overflowing rivers, lakes, or other bodies of water are a whole different ball game. Flood insurance is a separate policy altogether.
- Sewer Line Backups: While some policies offer optional coverage for sewer backups, it’s not always standard. Carefully review your policy to understand your specific coverage.
- Negligence-Related Damage: If the water damage is deemed your fault due to neglecting proper maintenance of your plumbing or roof, your insurance company may deny your claim.
Taking Action After Water Damage Strikes – Contact Fabian, Sklar, King & Liss Today
If your insurance company denies your claim, offers a lowball settlement, or disputes the extent of the damage, don’t hesitate to seek legal representation. Contact Fabian, Sklar, King & Liss today for a free consultation. We’ll stand by your side and help you navigate the insurance claim process so you can focus on getting your home back to normal.