Steps To Take After Saltwater Damage To Your Home

Living on the coast of Florida is a dream for many people. It is no wonder why given the breathtaking scenery, gorgeous sunsets, and the soothing sounds of the crashing waves. With all that beauty, however, comes a potential downside. Saltwater can be very damaging to structures, including the homes of the people who live here. With the number of tropical storms and hurricanes that hit Florida’s coast every year, one does not even have to live right alongside the water to suffer damage.

If saltwater has damaged your home, you may be able to file an insurance claim to obtain coverage for it. Below, our Daytona Beach water damage lawyer explains the steps to take if you have to file an insurance claim.

Recognize when Damage has Occurred 

At times, saltwater damage may be fairly obvious. For example, if a hurricane just swept through your property, you will likely know to look for saltwater damage. This type of damage is often more subtle, though. It is important to look for the signs so you can prevent further damage from occurring and file a claim right away. The most common signs of saltwater damage are corroded surfaces, rusted metal, and peeling paint. If you notice any of these signs, it is critical that you take the necessary steps to mitigate the damage.

Have the Damage Professionally Inspected 

If you file a claim for coverage after your property has been damaged by saltwater, the insurance company will send out an adjuster to evaluate the value of the damage. You should also hire a third party inspector who can provide an objective value of the damage. This will help you determine the amount of coverage you need when you or your lawyer are negotiating a fair settlement.

File an Insurance Claim 

Once you know the cost of repairing the damage, you should file an insurance claim. Do not make any major repairs until you have filed your claim. Before filing your claim, though, you should also take pictures and video footage of the damage to prove that you need the coverage you are asking for.

Repair and Restore the Damage 

Once the insurance company has approved your claim, it is time to repair and restore the damage. Doing this requires a trained professional who can pump away the saltwater, flush the area with fresh water, and ensure the area is completely dry to avoid mold growth.

Preventing Future Problems 

Once you have dealt with the current problem, you need to prevent future issues from occurring. This often requires steps such as applying a protective coat to vulnerable areas such as decks, foundations, and siding. These steps will not only protect your home, but they will also help you avoid a long claims process in the future.

Talk to a Water Damage Lawyer in Daytona Beach First 

Before filing a claim, or even taking mitigating steps to prevent further damage, it is critical to speak to a Daytona Beach water damage lawyer. At Bundza & Rodriguez, our experienced attorneys can advise on the next steps to take so you obtain the full coverage you deserve. Call or text us now at 386-252-5170 or chat with us online to request a free consultation.

Source:

leg.state.fl.us/STATUTES/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0627/Sections/0627.7011.html