Florida Floods and Your Business Insurance Claim Our Goal: Winning & Winning Big

Florida Floods and Your Business Insurance Claim

Fill out our contact form or call us at (800) 349-0000 to be connected to the nearest Florida office to you for a totally free case evaluation!

Every year, Florida businesses experience damages and losses arising from weather events of different types. These including flooding. As a business owner, you need to understand some essential facts and factors associated with Florida floods and your business insurance policy and any claim you may need to make. These points of consideration include:

Busting the myth surrounding flood insurance coverage

Understanding the often-adversarial role of an business insurance company

Myth Busting: The Truth Behind Floods and Florida Business Insurance Coverage

Despite the fact that the Sunshine State has been battered by some of the worst hurricanes in history, and regardless of the reality that these storms have resulted in devastating floods that have significantly impacted businesses of all types, myths abound when it comes to floods and Florida business insurance. As a consequence, we present some very direct, highly important facts about floods and Florida business insurance claims and coverage.

  1. Typical Florida business insurance policies do not coverage damage caused by flooding.
  2. If you want to ensure that your business is covered for damage and loss associated with flooding, you need to obtain a specific commercial flood insurance policy.
  3. You cannot rely on statements made by commercial insurance agents or other representatives of insurance companies when it comes to what is or is not covered by a standard policy of business insurance. You must read the policy.

Insurance Companies Aggressively Fight Business Insurance Claims Associated with Weather Events

Much is said about the establishment of B2B relationships in the 21st century – business to business connections. Understanding that there can be great value in the development of B2B relationships, as a business owner you must not presume that because you purchase commercial insurance that you’ve established a supportive partnership with an insurer.

The stark reality is that Florida business companies are in operation for one primary reason and that fundamental purpose alone. They exist to make as much money as possible for their shareholders and other stakeholders. Moreover, Florida business insurance companies enhance their bottom lines – and sometimes significantly so – by limiting the amount of money paid out each year in insurance claims.

Insurance companies become particularly aggressive in countering claims submitted by businesses in the aftermath of weather events. History is replete with examples of insurance companies pulling out all of the stops to prevent businesses from obtaining timely, fair settlements of valid weather-related insurance claims.

This particularly is the case when it comes to insurance companies ducking under an existing policy exclusion for flood damage. Not all water damage to a business is the result of flooding. Powerful weather events can result in water damage to a business structure and personal property at the premises that is not the consequence of what legally is classified as flooding.

For example, the winds of a hurricane resulted in a roof being ripped off a business. Accompanying rain (but not flooding) damaged the structure further and destroyed personal property at the premises. A recurring practice is for an Florida insurance company to misclassify such an occurrence as an uncovered flooding event and attempt to deny a claim for compensation.

National Flood Insurance Program

As a Florida business owner, you will want to give serious consideration to obtaining flood coverage via what is known as the National Flood Insurance Program (NFIP). If your business is located on one of the Florida coasts, you definitely need to explore flood insurance coverage through the NFIP. Even if your operations are more inland, you cannot disregard the possibility that you may be the victim of a weather event that results in flooding.

Protect Your Legal Rights with a Business Insurance Claim Lawyer

If you find yourself in a contentious situation regarding weather-related losses, including damages caused by flooding, you need to be proactive in obtaining legal assistance from a qualified attorney like a business insurance claim lawyer from The Doan Law Firm. You can schedule a no-cost and no-obligation initial consultation with an experienced Doan Law Firm business insurance claim lawyer by contacting us at any one of our Florida offices:
  • Jacksonville

    50 N. Laura St.,
    Suite 2500
    Jacksonville, FL 32202
    904-901-0000
  • Miami

    801 Brickell Center
    Suite 900
    Miami, FL 24131
    786-671-0000
  • Tampa

    4830 W. Kennedy Blvd.,
    Suite 600
    Tampa, FL 24609
    813-609-0000
  • Orlando

    111 N. Orange Ave.,
    Suite 800
    Orlando, FL 32801
    407-289-0000
  • Tallahassee

    113 South Monroe St.,
    1st Floor Tallahassee,
    FL 32301
    850-601-0000

Client Testimonials

Hear From Our Clients
    Blown away by the exceptional service.

    “Jimmy is someone you need to have in your corner when fighting the insurance companies for the compensation you deserve!”

    - D.P.
    The Doan Law Firm staff was very kind and helpful throughout the whole process of my injury claim.

    “They worked really hard on my case and never gave up. They got me the amount I deserved. I would recommend any family member or friend without any doubt.”

    - S.T.
    I received AAA+ care from Jimmy Doan and the Doan Law Firm team.

    “He was always available to answer all my questions and ease my anxiety while going through this process. He was able to recover enough to cover all my medical expenses and much more.”

    - H.F.
    They always answered the phone when I needed an update and always kept me informed.

    “They always answered the phone when I needed an update and always kept me informed.”

    - T.V.
    He and his paralegals dealt with the insurance company, and we just worried about getting better and going to the doctor.

    “They were so nice and always answered the phone or text messages. I am thankful to them for helping my family and I. I highly recommend them.”

    - S.V.
/

What Sets Us Apart from Other Firms?

The Difference is Clear
  • Serving Clients Nationwide
  • We Utilize the Latest Technology
  • No Fee Owed Unless We Win
  • Open, Honest & Upfront Legal Advice
  • Se Habla Español
  • Recognized in the Media & News
  • Virtual Consultations, Online Chat & Video Conferencing Available
  • We Respond to Texts, Emails, Calls Within 1 Hour

Get to Know Us

Watch Our Firm Videos to Learn More
  • Introducing The Doan Law Firm

    Learn about what motivates Attorney Jimmy Doan.

  • Testimonial 1
  • Get to Know Jimmy Doan

    Learn about Attorney Jimmy Doan's background and ...

/
Contact Us 24/7/365 to Discuss Your Case Fast, Friendly, Free Case Evaluation

Submit Your Information & Our Lawyer Will Contact You Within 1 Hour