Wells Law Group, P.A

You came home from work, or a vacation, and you find three inches of water all over the floor of your home, wet drywall, wet kitchen cabinets and the carpet in the living room is soaked. What do you do? Notify your homeowner's insurance company. Understanding insurance coverage for accidental discharge of water from a plumbing system in your home can be tricky. Policies exclude most situations that involve water seepage or leakage that occurs over a period of time (because that is a maintenance issue) and insurers take advantage of that exclusion frequently.

The choking stench of smoke and soot does not end when the fire is out. Smoke damage is insidious, sometimes damaging things to the point of having to replace the entire dwelling and all the furniture and possessions inside. Most insurers don't want to hear that, though. Their "experienced adjusters" will try to tell you that cleaning the surfaces will remove the damage and destruction. Unfortunately, insurers frequently underestimate the cost of repairs or disregard a legitimate need to replace items, which only creates more problems for homeowners after a fire.