Water/Mould Damage Claims
Water and mould damage can occur suddenly as a result of flooding, or gradually over time from minor leaks or moisture accumulation. When you purchase homeowner’s insurance, you expect to be protected against flooding and water damage. Unfortunately, insurance companies do not make it that easy. They will deny claims and attempt to reduce the amount of money that they pay out by using complex language and ambiguous words. In many cases, individuals are misled or shortchanged by their insurance company; we can help secure full and fair compensation for property damage in the event of a flood or any excessive water damage.
If your home or business has been damaged by flooding or mould, by the time you file an insurance claim you have already been adversely affected by the loss. If the damage is severe, you may require repairs immediately in order to protect against further damage or you may even require a complete replacement of the property. This type of security is the reason you purchased insurance in the first place, right? A quick review of your insurance policy will likely indicate language that frees the insurance company from liability under a wide variety of circumstances. They may also deny the claim by arguing that a portion of the damage was not caused by water or is independent of the flooding. However, just because there is ambiguous language that appears to favour the outcome of denial does not mean that you are out of luck. Our experienced lawyers are very familiar with insurance policies and the claims process and will fight to ensure that you are fairly