Posts tagged "Water Damage"

What kind of lawyer do I need that specializes home insurance policies?

My home got flooded. Insurance denied the claim but I believe I still have a case. What kind of lawyer would I need that specializes in home insurance policies to see if I really do have a case?
Sorry, I should have been more specific. My house was flooded due to a pipe burst.

You need to be much more specific because water damage may be covered in certain circumstances but flood damage is not covered in any circumstance.

In the USA no homeowners policy will cover damage due to a flood. Flood damage is specifically excluded. Coverage for flood would have to be purchased through the National Flood Insurance Program (NFIP).

What does a homeowners insurance adjuster do?

Any help would be appreciated. Over the weekend, i had a pipe/hose break and flooded my kitchen overnight. I know we need to make a claim with homeowners insurance. They said they will send out an adjuster to survey damage. What do I tell this adjuster? Do I need to make a list of stuff damaged? Will he help me get the most money i need? Any one with any experience please help Thanks.

I am an insurance adjuster and I will tell you that different companies handle claims a little different. Most of the time the adjuster will come out and assess your damage and will either write up an estimate his/herself or request that you have someone write an estimate and submit to them. The main thing you need to tell the adjuster is what happened (if you know) and when it happened. Other than that, if you had any personal property damaged you may want to go ahead and start making a list of any items that had water damage just to help speed up the claims process. Property claims are a very simple process and I usually have mine handled within 24 hours of my inspection. Hope I helped answer your question!

Can someone explain what Condo Insurance is?

Im waiting to close on a condo in NY. The realtor says i don;t need to get homeowners insurance because the building the condo is in, has its own policy that part of my maintenece fee goes to. someone suggested still getting condo insurance. can anyone please help me out with a description of what this is?

Your condo probably has property & liability insurance that protects the association if there a fire, water damage, or if someone falls in the hallway & sues them. However, their insurance probably does not protect YOU if someone steasl your stuff or someone is injured at a party in your place. Check with the condo association on this. They will know. You probably need to get your own condo policy, which is not expensive. Good Luck.