Harvey Flood Damage to Businesses
File a Claim with Us Today to Get the Money That You Deserve
Most sole proprietorships, single practitioners, or small businesses don’t make enough revenue to justify the cost of a flood insurance premium. However, whether or not you’re insured for flood damage, you need to understand what the insurance companies consider “flood damage” to file a claim with the highest possible chance of success.
If you want to learn if your losses qualify for any kind insurance relief, call (888) 400-2101 today. Our firm is fighting for businesses affected by Harvey in Beaumont, Rockport, Port Aransas, Corpus Christi, and the greater Houston area.
What Is Considered to Be Flood Damage?
Flood damage is any damage caused or made worse by rising water levels. That includes water above the ground rushing toward your business (i.e. a storm surge) and water rising from underneath the ground. If you do not have flood damage coverage, you could be facing tens of thousands of dollars in mold remediation, sewage remediation, and other major repairs. Due to the toxicity of flood waters, businesses that sell food and beverages could be facing even higher costs in order to bring them back up to code.
What If I Don't Have Flood Coverage?
Lack of flood coverage means you’ll need to file a claim that distinguishes between windstorm and flood damage.
Your policy likely has an “anti-concurrent causation” clause, which allows insurers to deny claims for losses caused by both flooding and other types of damage like high winds. Having flood coverage means you’ll be able to file a single, comprehensive claim with your commercial insurer; however, even then, they may be unwilling to give you a full payment under your policy.
With large insurers handling thousands of claims in the region, the industry-wide practices of underpaying claims, delaying payment, or denying cases will have a catastrophic effect on the recovery after Harvey. Our firm finds that unacceptable. Visit our FAQ page to learn more about how insurance companies use unethical practices to create billions in profits on delayed claims.
Call (888) 400-2101 to learn about your business’ legal and financial options. Without intervention, these claims could be backlogged for years. Let our firm fight for a better result for your company, your employees, and your families.