Don’t forget that most insurance policies do not cover flood damage.
A separate policy is necessary to get flood damage coverage. Even if you are not in a “flood zone” consider getting the coverage for peace of mind. Many property owners are confused by their homeowners insurance policies and what is and is not covered. Many people believe that if water enters their home, their policy will cover the water damage. Perhaps the most simplified explanation of a flood is any water that rises from below the ground or touches the ground before entering a structure. You must purchase a separate flood policy to get coverage for this type of event.
If you have found yourself in a situation where you may need a property insurance lawyer – please contact McMenamin Law Group for a free lawyer consultation.
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John McMenamin is a licensed Tampa attorney and has been a member of the Florida State Bar Association since 2002. Prior to that time, he worked with his past firm in many capacities when not in school, since 1991. John grew up In the small town of Geneva, NY, in the heart of what is now the Finger Lakes wine Country until later moving between Florida And NJ. He graduated from Fairleigh Dickinson University in Teaneck/Hackensack, NJ in 1998 then returned to Florida to start law school at Nova Southeastern in Davie, Florida. After graduation in 2002, he was employed By Marshall & LeValley in New Port Richey, representing clients throughout Florida, which later became LeValley & Napolitano and finally LeValley, Napolitano & McMenamin, P.L. In 2010. As of 2013, he joined Marshall, Thomas & Burnett for a brief time until Summer 2014. In October 2014, John saw the opportunity to provide a broader scope of legal representation in a more personalized small firm. He has lived in Tarpon Springs with his wife and two children since 2005.