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Home water damage claims typically involve seeking compensation for damage caused by water-related incidents within a residential property. Restoring your home and belongings to their original condition will require significant effort, time and money. Insurance policies differ in deductible amounts, covered items and other conditions. 

Denver, Colorado Flood Damage Attorney

In a landlocked state like Colorado, the thought of your property flooding may never cross your mind – until your home or business is knee-deep in torrents of water. Colorado’s heavy rainstorms can easily cause lakes and rivers to overflow. Still, if you’ve purchased flood insurance, you might expect a quick payout for the damage and move on. 
 
Unfortunately, flood-related claim denials are all too common. Have you thought about a contingency if your insurance provider doesn’t come to the party? Below is everything you need to know about flood insurance, including how Fiedler Trial Lawyers handles similar property water damage claims in Denver.
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Flooding Can Cause Catastrophic Damage for Denver Homeowners

Compared to blizzards and hailstorms, flooding may not seem like a likely danger in Colorado. However, even in Denver, flooding is a serious risk, and not only for the property damage involved.
 
Take the infamous Denver-South Platte flood of June 16, 1965, for example. The city of Larkspur saw an astounding 14 inches of rain one evening, sending walls of water up to 20 feet high crashing right into Denver’s homes and businesses. The flooding devastated residences, bridges, and roads – but it also cost 28 victims their lives.
 
More recently, there was the massive Front Range flood in September 2013. Historic levels of rainfall impacted more than a dozen Colorado cities and six rivers throughout the state. Over 3,000 people required rescue, and eight lost their lives, with estimates for the damage ranging from $1 to $2 billion.
 
There can be no doubt that flood damage insurance is a must in Denver. But what happens when it doesn’t cover everything or your claim falls on deaf ears? The consequences of flooding can be dire for a property.
 

The Devastating Effects of Flood Damage

Floodwaters wreak havoc on homes and can upend families’ lives for months at a time or longer. Let’s look at the impact of flood-related property damage.
 

Destroyed Belongings

You’ve filled your home with things you cherish. Floods can destroy those precious belongings in an instant, including clothes, children’s toys, electronic goods, and important paperwork. Some of these items can cost thousands to replace, while others, such as special family heirlooms, are simply irreplaceable.
 

Mold Growth

Damaged property isn’t the only consequence of flooding, either. Molds emerge just 48 hours after water damage, and once they bloom, it’s an uphill battle without the arduous and expensive process of mold remediation. On top of the cleanup, mold, particularly black mold, causes allergy-like symptoms, such as: 
  • Sneezing
  • Congestion
  • Coughing
  • Watery eyes
For Denver residents with asthma and other respiratory conditions, inhaling mold spores can be deadly.
 

Electrical Hazards

There’s little need to explain what happens when water comes into contact with electricity. For example, floodwaters:
  • Seep inside electrical outlets, compromising the wiring’s safety
  • Commonly destroy the electrical components of appliances, such as stoves and dishwashers
  • Create fire risks with flood-damaged outlets
The wiring will need an inspection and, possibly, a replacement before it’s safe to use again.
 

Structural Damage

Your home may be sturdy, but it can’t compete with the sheer force of water on flooring, drywall, and the home’s foundations. Repairing extensive structural damage in Denver can cost tens of thousands of dollars. 
 
Stressed homeowners may opt to sell their flood-damaged homes rather than face expensive and time-consuming flood remediation processes, but isn’t homeowners’ insurance supposed to cover flood damage for you?

More About Insurance Disputes Surrounding Flood Damage in Denver

Many Denver residents feel confident that their homeowners’ insurance policy will cover them in the event of a flood. Unfortunately, homeowners’ insurance policies typically only cover flooding due to a problem with the home, not a natural disaster.
 
Has a pipe burst in your house? Your homeowners’ insurance policy shouldn’t bat an eye at covering the subsequent damage. If torrential rainfall sends water cascading into your home, though, expect a shrug.
 
You may purchase a separate flood insurance policy underwritten by the National Flood Insurance Program. Still, will NFIP’s coverage be enough? It depends on your situation.
 

What Does Flood Insurance Cover in Denver?

Typically, flood insurance includes two types of coverage: building coverage and contents coverage. 
 

Building Coverage

Building insurance pays for damages to your home. This home coverage often protects:
  • Gas and electrical systems
  • Plumbing systems
  • Foundation walls
  • Permanent carpeting and flooring
  • Cabinets, bookcases, and paneling
  • Water heaters and furnaces
  • Solar energy equipment
  • Fuel tanks and wells
  • Stoves, refrigerators, and built-in appliances
  • Detached garages

Contents Coverage

As the name suggests, contents coverage pays for the damage and destruction of your belongings to protect things like:
  • Clothing
  • Small appliances, such as microwaves
  • Window and portable air conditioning units
  • Washers and dryers
  • Curtains
  • Valuable items up to a limit ($2,500 for a federal policy)
Typically, you’ll need to purchase building and contents policies separately (and weigh up separate deductibles). Also, these policies only pay for “like-kind” replacements, not improvements or upgrades.
 

Myths and Facts Surrounding Flood Insurance

There are quite a few myths floating around about flood insurance, many of which are simply untrue. Separating fact from fiction can help you avoid paying out of pocket to repair flood damage.
 

MYTH: You Can’t Purchase Flood Insurance During or Immediately Before a Flood

FACT: You can buy flood insurance whenever you like, although there is a 30-day waiting period. Two possible exceptions include:
  • If you purchase flood insurance within one year of the adoption of a revised Flood Insurance Rate Map, the waiting period is one day.
  • If you buy insurance in connection with making, extending, renewing, or increasing a home loan, there is no waiting period.

MYTH: You can’t buy flood insurance if your house has flooded before.

FACT: You can still buy flood insurance, even if your home has flooded previously.
 

MYTH: Federal disaster assistance pays for flood damage.

FACT: Federal disaster assistance only covers damage if the city is a designated federal disaster area. This designation happens in less than 50% of flooding events.
 

MYTH: Flood insurance is only for homeowners.

FACT: Flood insurance is available for renters, too. You can also buy a flood insurance policy to protect non-residential buildings, such as businesses.
 
If you have more questions about how flood insurance works in Denver, Colorado, please reach out to Fiedler Trial Lawyers today.
 

Dealing With Flood Property Restoration Disputes in Denver

Has your flood insurance company denied your claim? First, you must understand why. Then, you might consider filing an appeal.
Here are some considerations:
 

Clear Evidence

One common reason for denials would be a lack of evidence of property damage. You’ll need to submit good photos of the damage. If the images are dark, blurry, or otherwise poor quality, do not be surprised if your flood claim is denied.
 

Supporting Documents

Do you have adequate supporting documentation? The list covers all damaged or destroyed items, values, purchase dates, and repair estimates.
 

Timing

Failing to file your claim before the deadline may also result in a denial. Flood insurance companies may stipulate that Denver homeowners file their claims within 60 days of flooding. It’s shorter than the deadline for other types of claims, and time passes quickly.
 

Policy

Allowing your flooding insurance coverage to lapse will lead to a denial as well. Are you paying your monthly premiums on time? It’s impossible to know when flooding could strike.
 

Other Reasons for Insurance Claim Denials After Floods

Your insurance company might not deny your claim entirely but rather undervalue your damaged property, particularly without adequate evidence of its true value. It may be possible to file an appeal within 60 days from the date of the denial. 
 
If you’d like to go this route, contact local professionals like Fiedler Trial Lawyers for flood insurance claim assistance in Denver as soon as possible.

Determining Liability for Flood Damage

You likely expect your insurance company to cover flood damage. If all goes well, it might. If the insurer somehow finds you liable, though, you may be on the hook for the cost of repairs.
For example, many policy exclusions involve finished ceilings, walls, and floors in basements. Usually, flood insurance also does not cover:
  • Vehicles
  • Precious metals and currency
  • Damage caused by soil movement
  • Financial losses from business interruptions
  • Belongings and property outside, such as pools, decks, fences, or septic tanks
Does insurance cover mold issues? Usually, yes, but not if the insurance company suspects that you could have avoided mold growth with due diligence.
 
What if you need temporary housing while you make repairs? Federal flood insurance doesn’t pay for temporary housing, but private flood insurance might. Additionally, private insurance provides higher coverage limits than federal insurance does, which is why many homeowners opt for both.

What Compensation Is Available for Flood Damage?

Does your flood insurance claims process feel overwhelming? If you’re feeling your way around in a maze that has no apparent exit, don’t lose hope.
 

How To File a Flood Damage Claim

Here’s how to make it through flood insurance claims with minimal stress.
  1. Call your insurance company immediately. Report the damage. If you’re unsure who your carrier is, call NFIP at (877) 336-2627. After filing your claim, the insurance company will send an adjuster to evaluate the damage.
  2. Before the adjuster comes, take pictures and videos. Include all damaged and destroyed belongings. Sometimes, you can throw away certain water-damaged items, such as clothing, bedding, and food, but always check.
  3. Minimize the growth of mold as much as possible. Open windows and run fans to dry out your home. Your policy might refuse to cover damage if you don’t take reasonable action to prevent mold growth.
  4. Prepare for the adjuster. The adjuster will inspect your home, discuss your policy limits, and answer questions. Upon completing the inspection, they’ll submit their recommendation regarding your losses to the insurance company.
  5. Review the estimate for accuracy. The adjuster will give you a repair estimate based on their inspection. If you find more damage later or disagree with the estimate, be sure to call your flood insurance company.
  6. Contact service providers to schedule repairs. Hire contractors who are licensed, bonded, and insured. Otherwise, insurance won’t approve the work.
Your check should realistically arrive in the mail in four to eight weeks if all is in order.
 

Is Your Flood Insurance Company Acting in Bad Faith?

Sometimes, Denver insurance companies deny claims for reasons that just don’t make sense. Perhaps your insurance company is denying coverage for something that’s clearly included in your policy. This infringement is called “acting in bad faith,” which Colorado law strongly frowns upon.
 
Other examples of an insurer acting in bad faith may include:
  • Delaying payment on your flood claim
  • Not answering your phone calls or emails
  • Regularly assigning your flood claim to different adjusters
  • Failing to investigate a flood-related claim
  • Refusing to explain your policy to you
  • Pushing you to accept a settlement that doesn’t cover your flood damages
Is your insurance company acting in bad faith? You have a right to take legal action.

Fiedler Trial Lawyers Can Help You Navigate the Maze of Flood Insurance Claims

Whether you need guidance on filing a claim or advice on how to handle a lowball settlement offer, Fiedler Trial Lawyers is ready for anything.
 
We can assist you with your Denver flood claims or applications by:
  • Helping you gather supporting evidence of damaged and destroyed property. You’re less likely to experience a denial if you submit good evidence.
  • Untangling the “legalese” in your claim denial. Let’s draft an appeal letter that works.
  • Fighting back against inadequate insurance offers. Our Denver attorneys have ample experience with unfair settlement offers. Insurance company awards should be an amount you’re happy to accept.

Why Choose Fiedler Trial Lawyers?

Fiedler Trial Lawyers seeks to provide unmatched legal representation to clients in Denver and throughout Colorado. We believe that when faced with a flood insurance claim denial, you shouldn’t have to go through it alone. Let us be your advocates while you focus on recovering after the flood.
 
Choose us because:
  • We take the time to explain complex legal topics in a manner that you can easily understand. Instead of confusing you with nonsensical jargon, we provide clear-cut answers.
  • We have a strong record of saving the day for our clients. Take a look at what we’ve achieved for clients, then call us to schedule a consultation.
  • We work on contingency, so there is no cost to you unless we win a settlement.
Lead attorney Ken Fiedler and the team at Fiedler Trial Lawyers care deeply about their communities.
 

What Our Clients Say About Fiedler Trial Lawyers

Our clients have nothing but good things to say about us, but you needn’t take our word for it. Have a look at some of our reviews:
 
“Ken and his team are amazing! Very kind and personable. Ken was very informative, provided us with excellent guidance, and was sincere in every interaction. It was nice having someone in our corner to fight for our situation and our daughter’s interest. Highly recommended!”
 
“Ken Fiedler is a bright, focused, hardworking, foresighted attorney. He covers all the variables and guides the case to the best outcome for his client. I’m grateful to Ken and his staff for all the intelligent work they have done!”
 
“Ken and his staff are top-notch! Ken helped my son and I with our auto accident case. He always took the time to answer our questions or explain things in more detail if needed. Ken is honest, straightforward, and a pleasure to work with. I will always recommend Ken and his team and if ever needed, will be sure to use his services again.”

Call Fiedler Trail Lawyers for Reliable Flood Damage Legal Representation in Denver, Colorado

When you want an attorney who has a wealth of experience with severe flood damage cases, you want Fiedler Trial Lawyers. We stand ready to battle against any insurance company so that you can cover your flood damages and recover your life.
 
For a consultation with Fiedler Trial Lawyers, contact us at (720) 996-6000 or connect with us online.

Practice Areas

Trucking Accidents

Bad Faith Insurance Claims

Motor Vehicle Accidents

Motor Vehicle Accidents FAQ

Medical Malpractice

Catastrophic Injuries

Wrongful Death

Frequently Asked Questions

Is There a Cap on Federal Flood Insurance?

Yes, the law caps federal flood insurance at around $250,000 per property and $100,000 for the property’s contents. If you don’t need this much coverage, you can look into lower limits.

The first thing to do after a claim denial for flood insurance is to read the denial letter carefully to understand the reason(s) presented. You may be able to appeal the denial, but you have only 60 days to do so in Denver. A flood damage attorney can help you work quickly toward a resolution.

You may throw out certain flood-damaged items without it impacting your claim, such as perishable goods and soft items at risk for mold growth, like clothing, linens, towels, and curtains. However, before discarding anything, take quality photos of the damage.

Hiring a Denver lawyer to help with your flood damage claim is a smart move. Professionals help you collect evidence to satisfy insurers the first time. Also, if insurance denies your claim, your attorney can fight the decision and negotiate. If you’re ready to get the support you need, reach out to Fiedler Law today for expert assistance.

Additional Information in Denver, Colorado

More Frequently
Asked Questions

What to do after a car accident?

If you’ve been injured in an accident, there are several important steps you should take to protect your health and legal rights
  • Dial 911 – Emergency Services. Get checked out by emergency responders, even if you think injuries are minor, you should always get evaluated. If the accident involved a motor vehicle, file a report with the police This documentation could be important later on.
  • Document the Scene: If possible, take photos of the accident scene, your injuries, and any damage to vehicles or property. Collect contact information from witnesses and others involved in the accident READ MORE…

When involved in a personal injury claim, the process can be very intimidating. Many individuals facing this situation are often dealing with life-altering injuries, high medical bills, financial hardships and find themselves feeling very vulnerable.

Hiring a personal injury lawyer can be beneficial in a variety of situations, particularly when you have sustained significant injuries or damages due to someone else’s negligenceREAD MORE…

After being injured in an accident caused by someone else’s negligence, you may be wondering if you actually need to hire a personal injury lawyer. You would want to consult with an attorney, because in most cases, there will be an opposing party in your case that will be working against you. Choosing the right personal injury lawyer for your case is important to ensure you receive the best possible representation and outcome. Hiring a Denver Personal injury lawyer that specializes in that area of law is crucial, to ensure that you are getting proper representation, and your case is in good hands. Having an experienced lawyer like FIEDLER Trial Lawyers is helpful and provides powerful representation.

Here are some tips to help you choose the right lawyer:READ MORE…

The cost of hiring a personal injury lawyer can vary depending on the lawyer and the specifics of your case. However, personal injury lawyers work on a contingency fee basis, which means they only get paid if they win your case. Here’s how the contingency fee structure typically works and other potential costs to consider:

Contingency Fees: Percentage of Recovery: If the lawyer works on a contingency fee basis, they will take a percentage of the settlement or judgment amount you receive if you win your case. This percentage is typically around 33% to 40% but can vary depending on the lawyer and the jurisdiction.

No Win, No Fee: If you do not win your case, the lawyer will not charge you for legal fees. However, there may still be other costs you could be responsible for (discussed below).RAED MORE…

In a personal injury claim, you may be entitled to several types of compensation, also known as damages, to address the losses and injuries you’ve suffered due to someone else’s negligence or wrongdoing. The types of compensation typically fall into three main categories: economic, non-economic, and, in some cases, punitive damages. Here’s an overview of each:

Economic Damages: These damages are intended to compensate you for actual financial losses resulting from the injury:

Medical Expenses: Compensation for past, current, and future medical costs, including hospital bills, surgeries, medications, rehabilitation, and any other necessary medical treatment. READ MORE…

The value of a personal injury case can vary greatly depending on several factors unique to your situation. Since each case is different, there is no standard formula to calculate the exact value. However, here are some key factors that generally affect the worth of a personal injury case:
Severity of Injuries: The more serious and long-lasting your injuries, the higher the potential value of your case. This includes considering whether your injuries result in permanent disability or disfigurement.
Medical Expenses: Your case will take into account all medical expenses you have incurred, as well as future medical costs related to your injury.
Lost Wages and Earning Capacity: The case can include compensation for lost income due to time off work and any future loss of earning capacity if your injuries affect your ability to work.READ MORE…

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Kevin

10 months ago

This is the representation that you are looking for! Ken Fiedler hits every box; from punctuality to communication to professionalism. I couldn’t be more satisfied to have chosen Ken to solve this unfortunate problem of mine. He will do the same for you!
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Franscheliz

a year ago

I want to take this opportunity to thank this team for everything they did for my family. James and Ken worked on my case with the dedication and tact that you need the most. They fought for my family like I was part of theirs and made me feel seen and heard. This is the type of law firm you want and…
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Brandi

a year ago

Ken and his staff are top notch! Ken helped my son and I with our auto accident case. He always took the time to answer our questions or explain things in more detail if needed. Ken is honest, straightforward, and a pleasure to work with. I will always recommend Ken and his team and…
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