Water Damage

If your home, condominium, or business has suffered water damage, then insurance should cover the loss. Michael D. Cerasa has helped clients with all types of water damage-related insurance disputes. Whether your property was damaged by fire-related water damage, a broken water pipe, water heater, dishwasher, ice maker, clothes washing machine, rain that came in through an old roof, or any number of other unforeseen water-related circumstances, he can help you get the full amount of insurance coverage included in your policy.

Flood damage versus water damage

Homeowners’ and condo owners’ policies will cover most types of water damage. Keep in mind, however, that flood damage is almost never covered by these policies. Flood insurance usually constitutes a separate policy altogether. The distinction between what is “water damage” and what is “flood damage” is often a very tricky one. Insurance adjusters know how to exploit this distinction to work to their advantage. This, after all, is what they’ve been trained to do.

Michael Cerasa knows their tricks and can help if your insurance company is refusing payment because they insist your damage was caused by “flood” and not “water.” Mr. Cerasa and his team of experts can investigate the damage. If we can determine and prove that the damage is not “flood” damage, then we can fight to obtain the payment you deserve.

Seek representation before appraisal

Michael Cerasa knows the various methods that insurance adjusters use to undervalue water damage claims. It is a central part of an adjuster’s training to make sure their insurance company pays out the least amount possible. It is therefore in your best interest to hire an experienced water damage attorney before the damage appraisal.

Mr. Cerasa will represent you during the appraisal, ensuring that your appraisal is fair and that all damage is properly accounted for. For businesses, these damages may include loss of business income, loss of business documents, and other business interruption damages.

If you have any doubts about whether your insurance company is treating you fairly regarding your water damage insurance claim, please contact attorney Michael D. Cerasa today to arrange your free consultation. Se habla español.