Floods come with surprising destructive power, and the cleanup and repairs that follow must be addressed as soon as possible in order to prevent further damage from standing water and mold. With the potential costs of repairing water damage to the structure, replacing carpets and furniture, disinfecting surfaces and ductwork, and the multiple other tasks needed to clean and repair water damage from flooding, many condo owners end up looking at thousands of dollars in repairs—with no idea where that money will come from.
While it’s impossible to offer clear answers about responsibility without a thorough review of the specific policies that cover you, here are a few tips that might help you pinpoint how to proceed after a flood:
- Flood damage is often covered under separate policies that differ from your general condominium insurance, and it may vary from your coverage for other kinds of water damage.
- Condominium owners must juggle layers of responsibility that might include multiple insurance policies, including those held by the condo owner, the condo association, and other parties, making complications, delays, and denials more likely.
- Government assistance may be available, but the process can be complicated for unit owners and may take a long time. Ultimately, even in areas where flooding is a less common occurrence, it’s worth it to review your flood coverage and avoid the mistake of relying solely on unpredictable emergency assistance.
If you are overwhelmed with the claims process after flood damage to your condominium, or if your initial claim has been denied, don’t hesitate to contact our legal team directly by phone or email. We have experience helping policyholders across the nation navigate difficult and complicated insurance claims, and we hope to help you work toward a successful outcome.