Steps to Take After Appliance Leaks in Florida

In Florida, where our team at EC Law Counsel operates, we frequently assist homeowners troubled by appliance leaks. These leaks, typically originating from household appliances like washing machines, dishwashers, or refrigerators, can range from minor annoyances to significant property damage, adding to the challenges of homeownership. When faced with such leaks, it’s critical to act swiftly to safeguard your property and notify your insurance company. Ensuring comprehensive documentation of all damages through videos, photos, and repair estimates is a key step in this process.


Understanding Your Insurance Coverage

In Florida, homeowner’s insurance policies commonly provide coverage for different types of water damage, which includes damage resulting from appliance leaks. This coverage can extend to the structural aspects of your home as well as personal belongings affected by the leak. Nevertheless, the degree of coverage is largely contingent on the specifics of your individual policy. For instance, certain policies may exclude coverage for damage caused by leaks that have persisted over a prolonged period due to inadequate maintenance. Therefore, it’s crucial to thoroughly understand your policy’s terms or seek legal guidance to fully comprehend the extent of your coverage.


The Insurance Claim Process

Following an appliance leak that leads to property damage, it’s imperative to quickly notify your insurance company. In Florida, the law obligates insurance providers to acknowledge your claim within a 14-day window and to offer a resolution within 90 days. After you report the incident, your insurance company may require a detailed account of the situation. This account includes the circumstances leading to the leak, the specific appliance involved, and the extent of the damage. They may also request additional documents such as receipts of the appliance or any maintenance work done on it. This process can often seem daunting, especially when dealing with the emotional stress and the physical toll of the damage.

In certain situations, your insurance company may ask for a recorded statement or conduct an Examination Under Oath (EUO). An EUO is a formal procedure where you are required to give a sworn statement regarding the incident, akin to a deposition in legal proceedings. This experience can be daunting, given its formal and serious nature. Moreover, insurers might also require a recorded statement or a sworn proof of loss. The sworn proof of loss is a crucial legal document where you list the damaged items and properties, along with their estimated values. Accuracy and honesty in these documents are paramount. Any discrepancies or inaccuracies can lead to delays or, in some cases, denial of your claim. It’s important to approach these steps with care and precision to ensure a smooth claims process.


The Role of a Property Damage Claims Lawyer

Many homeowners find the process of filing an insurance claim complex and overwhelming. ur team at EC Law Counsel is equipped to guide you through this journey, drawing upon our extensive knowledge and experience in dealing with insurance adjusters and claims clerks. We can meticulously review your insurance policy, aid in providing a precise assessment of the damage, manage all interactions with your insurance company, and keep you regularly informed about the progress of your claim. Our goal is to simplify the process for you, ensuring that your claim is handled efficiently and effectively.


Why EC Law Counsel?

Over the past decade, EC Law Counsel has been protecting the rights of homeowners across Florida. If you’ve experienced property damage due to an appliance leak and need assistance in pursuing your claim, our experienced team is here to help. Don’t let an appliance leak turn your life upside down. We at EC Law Counsel can help you handle the aftermath, making sure your insurance claim process runs smoothly. If you’re in Florida and need legal advice regarding property damage claims, call 954-861-0833 to contact our office in Hollywood, 239-922-1771 for our office in Fort Myers or contact us online to schedule a free consultation with an experienced property damage attorneys in Florida.