Whatever the source — roof leak, burst pipe, plumbing fixture — a sudden and massive intrusion of water in the interior of a home can be both emotionally devastating and costly. The Law Offices of Bruce C. F. McArthur represents homeowners whose homes have suffered serious water damage.
As with a fire, property loss from water damage and the cost of repairs may be considerable. As with fire damage claims, you and your insurer may disagree on the extent of the damage, what repairs are necessary, what those repairs should cost, and/or what losses are covered under your homeowners insurance.
I am an experienced lawyer representing property owners in the San Francisco Bay Area and Northern California. I am committed to obtaining for you a full, fair and reasonable settlement for the damage to your home and its ruined contents. Contact me for a free consultation to discover how I can be of service.
Water Damage Claims
Water damage can result from several causes, including:
- Roof leaks or storm damage
- Plumbing leaks inside your home
- Sewer back-ups
- Defective appliances
- Firefighting efforts
In most cases (but not all--see below), repairs and personal property replacement are paid for by your homeowners insurance. Water damage claims are frequently handled by the same kinds of insurance adjusters who handle fire losses, and the claims process is similar. Please see fire damage claims for information about some of the fire damage issues that may also apply to your water damage claim.
Every insurance company and every insurance policy is different. Your claim will be subject to the monetary limits and deductibles, and the specific terms, conditions, limitations and exclusions, of your particular insurance policy. Not all water damage claims are covered. Coverage (or lack thereof) may depend on the specific coverage language and the exclusions in your policy. You may need some assistance in understanding and interpreting your policy. If so, call me for a free consultation, and we can address this and other interpretive issues that may arise.
Restoring Your Home And Property
Water from leaks, floods, malfunctioning appliances, etc. can wreak havoc in your home. It may damage or destroy flooring, drywall, trim, electrical fixtures and wiring, insulation, even framing, as well as other components of your home. It can result in the mold blooms both inside and outside of the walls. It can damage or destroy your furniture, electronics, clothing, books and other personal property. If the damage is suffciently pervasive, you may need to relocate pending repairs.
It is important for you to have the water damage to your home evaluated by an independent general contractor, a fire and/or or water damage restoration specialist who is not involved in an ongoing business relationship with your insurance company, someone for whom your interests, not your insurance company's interests, are paramount. If I am retained to represent you, I will bring in my own fire and water damage restoration expert to evaluate the damage to your home, and estimate the cost of repairs. My goal is to make sure you receive the full compensation you are entitled to for your loss. This begins with a careful and comprehensive evaluation of the water damage to your home, whether that damage is clearly visible or not. In some cases, this requires looking into the walls, the attic, or the floor (or elsewhere) to make sure that all water damage is located and the cost of repair is fully addressed. In my experience, an insurer is not always motivated to "look for" water damage inside the walls or ceiling or in other locations where it is not immediately apparent. Depending on the nature and severity of your water loss, there may also be a significant amount of damage to your personal property. It is important that this kind of loss also be independently assessed, by someone other than your insurance company.
I have represented homeowners on a number of "pure" water damage claims--that is, claims where the damage was essentially all caused by water (as distinct from fire claims, where there is also some water damage resulting from firefighting efforts). This can include addressing the damage to your home, as well as the damage to your personal property. See examples of settlements I have obtained for clients in water damage claims (and/or fire damage claims).
If you need a San Francisco Bay Area water damage claims attorney, contact me today for a free initial consultation about the facts of your case, your potential recoveries and any problems you have encountered with your claim.