Flooding is one of the most destructive events your vehicle can experience, and South Florida drivers know how quickly water damage can happen during tropical storms and hurricanes. But what happens when your insurance company denies your flood damage claim? At G. Reynolds Legal, PLLC, we help drivers in Pompano Beach, Fort Lauderdale, and throughout South Florida fight back when insurers wrongfully delay, deny, or underpay legitimate claims for flood-related vehicle damage.
Understanding Flood Coverage
To receive coverage for flood damage to your car, you need to carry comprehensive coverage on your auto insurance policy. Liability-only policies do not cover water damage from flooding, heavy rain, or storm surges. If you have comprehensive coverage and your vehicle is damaged due to floodwaters, your claim should typically be honored—but some insurance companies look for ways to avoid paying.
Reasons Insurance Companies May Deny Flood Claims
Even if you believe your policy should cover the damage, insurers may still try to deny your claim. Common reasons include:
- Alleging that the damage existed before the flood
- Claiming the vehicle was not properly maintained or stored
- Disputing whether the damage was caused by floodwaters versus another source
- Delays in reporting the incident
- Filing errors or missing documentation
If your claim has been denied for one of these reasons, don’t assume the insurance company is right. You have the right to challenge the decision. Our firm assists with insurance claim denials and can help you gather evidence and communicate effectively with the insurer to push back.
What to Do If Your Claim Is Denied
If your vehicle flood damage claim is denied, take the following steps:
- Request a written explanation of the denial from your insurance company
- Review your policy to confirm you have comprehensive coverage
- Document the flood damage thoroughly with photos and repair estimates
- Gather any weather reports or proof of the flooding event
- Contact a vehicle property damage attorney to review your case
At G. Reynolds Legal, PLLC, we’ve helped South Florida residents recover compensation after unfair denials. Our team understands the tactics insurers use and how to respond with the proper documentation, expert reports, and legal pressure.
Serving Pompano Beach, Fort Lauderdale, and South Florida
Our firm represents policyholders throughout South Florida, with a focus on the unique challenges that drivers face in Pompano Beach, Fort Lauderdale, and coastal communities. Whether your car was damaged by a hurricane, flash flood, or rising storm surge, we’re here to help ensure your voice is heard and your rights are protected.
Talk to a South Florida Insurance Claim Lawyer Today
Flood damage can total a vehicle and create a major financial burden. Don’t let your insurance company off the hook. Contact G. Reynolds Legal, PLLC today or call 754-206-1082 for a free consultation. We’ll review your denial and help you take the next step toward recovering what you’re owed.
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