sample insurance claim letter flood damage This Story Behind Sample Insurance Claim Letter Flood Damage Will Haunt You Forever!

(WSVN) – The rain we had this ages larboard abounding drivers abandoned and their cars flooded. Now, those drivers are now ambidextrous with their allowance companies, and in some cases are actuality told, “We won’t pay for the damage.” The drivers say that’s wrong, and that’s why they are calling Advice Me Howard with Patrick Fraser.



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This month, South Florida has apparent cloudburst rain, abounding streets and abandoned drivers.

Eddie Lopez would anon additionally be absorbed to a tow barter in Miami Beach.

Eddie Lopez, car was flooded: “There were cars anchored already, and obviously, it was a driveway with an accessible fence. I anticipation it was a parking lot.”



Eddie was active this 2015 Camaro he had adopted from a friend.

Eddie additionally couldn’t see that there was a abrupt bead from the sidewalk to the lot. He again pulled in.

Eddie Lopez: “The baptize was absolute deep, and by the time I saw, the baptize was absolutely advancing central the car.”

Eddie approved to get the car out of the lot.

Eddie Lopez: “But the moment I approved to drive a little bit more, it aloof kept accepting deeper. I chock-full the car, I got out of the car, and the baptize was already, like, absolutely abounding inside.”

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Eddie took pictures of the mess.

Eddie Lopez: “When I got out, there was already baptize all over the attic of the car, central the seats. Literally, back I got out of the car, baptize was accomplished my knees.”

He alleged his acquaintance to let her apperceive about her car. They both again alleged United Automobile Allowance in Miami Gardens, breadth she has absolute and blow insurance.

Eddie Lopez: “The claim’s administration came to the cessation they weren’t activity to pay for the damages.”

Patrick Fraser: “Because?”

Eddie Lopez: “Basically, I acquired the accident to the car.”

All this accident and an allowance aggregation saying, “We’re not advantageous anything.”

Eddie Lopez: “My aboriginal acknowledgment was, ‘My goodness. I feel terrible.’”

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Well, Howard, legally, can United Allowance debris to pay for the damage?

Howard Finkelstein, 7News acknowledged expert: “It depends. Abounding allowance companies would pay for this, but some, like United, accept a article that says they are not amenable if you drive into a abounding area. But you can action this in court, because if a adjudicator looked at this, they would accept to adjudge if the breadth was abounding and should accept been avoided, or aloof continuing baptize like Eric says, that hid a aperture on the acreage he could not see.”

While we were talking to Eddie, an adjuster from United Automobile Allowance came to audit the car.

Two canicule later, they fabricated it official, sending this letter abnegation to pay for the damage, in one book saying, “The agent was actuality acclimated for business purposes.”

Eddie says that’s not accurate at all.

Then, in addition paragraph, adage Exclusion 25 says they, ‘Will not pay because of accident consistent from active through a abounding area.’”

I alleged the admiral of United Automobile Insurance, their advocate and the agent who wrote the letter. No one alternate any calls.

Howard Finkelstein: “Check your policy, because added and added allowance companies are abacus this blazon of flood article to abstain accepting to pay. I apperceive the behavior are continued and complicated, but booty a acceptable attending at it. If it has too abounding loopholes to assure the allowance company, it ability be time for you to attending for a new allowance company.”

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Eddie Lopez: “I feel terrible.”

The Camaro now aloof sits, baptize still on the floor, and Eddie still abashed at what has happened.

Eddie Lopez: “When you pay for ‘full advantage insurance,’ you apprehend to be insured. And if somebody needs to borrow your car, you apprehend for that being to be covered as well.”

Eddie and his acquaintance are not giving up. And if they win in court, the allowance aggregation will not alone accept to pay for the car, they’ll accept to pay for Eddie and his friend’s attorney’s fees. We will accumulate on this and advice them any way we can.

Also, if you feel your allowance aggregation has not acted properly, book a complaint with the State of Florida. Let them dig into it.

Facing a flood of problems that are assimilation you? Want to assure you get some help? Contact us. We will leave you aerial and dry, in a acceptable way.

TO FILE A COMPLAINT ABOUT AN INSURANCE COMPANY:https://apps.fldfs.com/eService/Default.aspx

CONTACT HELP ME HOWARD:Email: helpmehoward@wsvn.comReporter: Patrick Fraser at pfraser@wsvn.comMiami-Dade: 305-953-WSVNBroward: 954-761-WSVN

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