After years of drought due to a persistent lack of rainfall, Southern California has experienced record level floods as of earlier this January. According to a recent report from CNBC, no part of California is currently under “extreme” drought conditions for the first time since August of 2013, according to the U.S. Drought Monitor, published by the National Oceanic and Atmospheric Administration's National Centers for Environmental Information.
Although heavy rainfall may serve as a relief for many farmers throughout the nation, the recent torrential rain has proved disastrous for many Southern California homeowners. The widespread flooding caused by these incessant rain storms has led to flooding of almost biblical proportions in Southern California. This flooding has led large numbers of California homeowners to either temporarily move out of their homes, or conduct extensive (and expensive) cleanup.
A natural question for any affected homeowner is whether their policy covers the amount, and type, of water-influenced damage. Remediation of damage done by floods can often result in thousands, if not tens of thousands, of dollars in damage to the homeowner’s property and/or possessions. This can include weakening a home’s foundation, and destroying cars, clothing and other possessions.
Many homeowner’s insurance policies will not cover flooding at all, or only cover in the event of burst pipes or other (smaller) circumstances. Other policies may also have exclusions from outside water intrusion such as rain. However, this is not always the case with all policies. It’s important to read your policy’s fine print to determine whether your homeowner’s insurance is legitimately providing you proper coverage under your policy.
Many homeowners often run into the common scenario of receiving water damage to their home. Depending on the policyholder’s particular policy, the insurance company may or may not cover the flood damage. In hopes that you will not take the time to actually read your policy, many insurers deny flood-related claims assuming you will not question their denial. In the alternative, the insurer may try to make a California homeowner a low-ball offer, unreflective of the actual damage suffered. Consulting an experienced and aggressive California property damage attorney if you have experienced significant damage from flooding is a necessary step if your insurer is refusing to cover flood-related damage.
If you are a homeowner who has received excruciating damage to their home from severe water damage or a flood, contact the experienced property damage attorneys at JT Legal Group 888.488.8888, immediately. The experienced water damage attorneys of JT Legal Group can assist you in handling all aspects of your water-related property damage claim.
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