Flood & Water Damage Attorneys
When floods or water intrusions damage your home or business, the results can be devastating. Walls, flooring, and electrical systems can be ruined in hours, and mold can develop in days. Unfortunately, that’s often when the second disaster strikes — the insurance company begins looking for ways to deny, delay, or underpay your valid claim.
At Broussard Dove, we represent property owners nationwide who have suffered major flood and water damage losses. Our attorneys understand how confusing insurance policies can be, especially when insurers argue about whether the damage is “flood-related” or caused by another source of water. We know how to interpret these policies, challenge bad-faith denials, and pursue the full recovery you deserve.
If your property has suffered water damage and your insurance company isn’t treating you fairly, call 985-868-4800 or contact us online for a free consultation.
Contact Our Flood & Water Damage Attorneys Today
If your home, business, or investment property has been damaged by flooding or water intrusion, don’t let the insurance company dictate your recovery. Broussard Dove has the experience and resources to challenge their decision and secure the full value of your loss.
Call 985-868-4800 or contact us online for a free consultation. We proudly represent clients nationwide and fight for the compensation you deserve to rebuild and recover with confidence.
WE HELP CLIENTS
NATIONWIDE
Our team understands the complex insurance policies that govern disaster claims. We know how insurers operate — and we know how to hold them accountable.
We Help Clients Nationwide With All Types of Flood and Water Damage
Flood and water damage can occur in countless ways, and insurers often attempt to classify damage narrowly to limit payouts. Our legal team handles claims arising from:
- Storm surge and coastal flooding
- Heavy rain and flash floods
- Burst or leaking pipes
- Roof and window leaks following storms
- Sewer backups and plumbing failures
- Foundation or structural water intrusion
- Mold and mildew caused by water exposure
- Business interruption due to water damage cleanup
Whether your property is residential, commercial, or industrial, Broussard Dove can help you recover full compensation for repairs, contents, and lost income.
Why Flood and Water Damage Claims Are Often Denied or Underpaid
Insurers often claim that water damage isn’t covered or that flooding falls outside your standard homeowner’s policy. These tactics are designed to reduce what they owe. Common strategies include:
- Arguing that the loss is excluded under “flood” clauses even when damage stems from roof leaks or broken pipes.
- Claiming mold growth or secondary water damage is “maintenance-related.”
- Denying coverage for water intrusion through foundations or windows.
- Offering low settlements that don’t cover hidden or structural water damage.
- Delaying claim processing to force policyholders into financial hardship.
Our attorneys know how to distinguish covered water damage from excluded flood events, identify overlapping policy coverage, and counteract the insurer’s narrative. Broussard Dove fights for the recovery you’re entitled to — not the one they want to pay.
Why Choose Broussard | Dove?
- 1Nationwide Representation-We assist clients across the U.S. who’ve suffered water or flood losses.
- 2Deep Insurance Knowledge-Our team understands policy language and coverage disputes better than most adjusters.
- 3Results-Driven Approach-Millions recovered for property owners and business operators.
- 4no fee unless we win-We only get paid if we recover compensation for you.
- 5Client-Focused Service-We maintain close communication throughout your claim, ensuring transparency and support every step of the way.
When you hire Broussard Dove, you’re partnering with a firm that treats your case with urgency and care. We fight so you can rebuild without financial ruin.
What to do
After a Flood or
Water Damage Event
Your actions immediately following water damage can make a major difference in how much you recover from your insurer.
01
Ensure
Safety First
Avoid electrical hazards and unstable structures.
02
Document
the Damage
Take photos and videos of all affected areas, furniture, and fixtures.
03
Stop
Further Damage
Remove standing water and protect undamaged property if possible.
04
Keep
Records
Save receipts for cleanup, repairs, and temporary lodging.
05
Avoid
Premature Settlements
Don’t sign any insurance documents or accept a payment without legal advice.
06
Call
Broussard Dove
Our attorneys can step in immediately to protect your rights and preserve the evidence necessary to prove your claim.
Frequently Asked Questions
What types of damages are typically covered under my policy?
Most insurance policies cover: wind and hail, fire and smoke, water damage (not flooding), theft or vandalism, lightening or fallen trees.
What is typically excluded in my policy?
Flooding (a separate flood policy is required), earthquakes, wear and tear, and neglect.
What documents do I need to support my claim?
Pictures and videos of the damage, repair estimates, receipts for emergency services and repairs, and communications with your insurance adjuster.
What’s the difference between actual cash value (ACV) and replacement costs (RCV)?
A policy typically provides the initial payments will be made on an ACV basis; meaning the costs to replace the damaged item is paid minus depreciation. RCV pays the full cost to replace the damaged item without a deduction for depreciation.
How do I get paid RCV?
If you have an RCV policy, once you receive the ACV funds and replace the damaged item, you can seek reimbursement for the recoverable depreciation withheld once you submit proof of replacement and the costs exceed the ACV funds received.
Do I need an attorney to handle my hurricane or natural disaster property damage claim?
If your claim involves substantial losses or your insurer is delaying, denying, or underpaying your claim, you should seek legal advice. Our attorneys can help level the playing field and pursue the full compensation you deserve.
How much does it cost to hire Broussard | Dove?
We work on a contingency fee basis — meaning you don’t owe us a dime unless we recover new money on your claim. We’ll even front all of the expenses.
How long do I have to file a property damage lawsuit?
Deadlines vary by state and policy. It’s critical to speak with an attorney as soon as possible to preserve your rights.
Is flood damage covered by standard homeowner’s insurance?
Most standard policies exclude flooding caused by rising water or storm surge, but they may cover water intrusion caused by wind or structural breaches. We can review your policy to determine every source of potential coverage.
How much does it cost to hire Broussard Dove?
There’s no cost upfront. We work on a contingency-fee basis, which means you pay nothing unless we recover compensation for you.
My insurer says the water damage was due to “maintenance.” Can they deny my claim?
Insurers often use that excuse to deny coverage. Our attorneys can bring in independent experts to determine the true cause and challenge unjust denials.
What if mold has already developed?
Secondary damage from mold is often compensable if caused by a covered water event. We can help ensure you’re not unfairly blamed for damage that resulted from the insurer’s delay or mishandling.