Tile damage in a home may be caused by many factors such as water damage, roof leak, structural damage, toxic mold contamination, or damaged electrical wiring. In other cases, tile damage can happen when an object is accidentally dropped onto the tile. If not properly dealt with, tile damage can lead to increasingly dangerous conditions that pose a safety risk to you and your family and lower the value of your home.
If the damage to your tiles is covered under your homeowner’s insurance policy, you may be entitled to have your entire tile floor replaced – even if the damage is only to a portion of the floor. Under Florida law, the damaged tile must be replaced in a way that is consistent with the adjoining areas in size, color and quality of material. Therefore, if the damaged tile or tiles cannot be repaired in a way that matches the surrounding areas, the insurance company may be required to pay for replacement of the entire floor. This rule applies regardless of the age or condition of the tile floor. The rationale behind this practice is to keep the homeowner from being left with mismatched floor tiles which would decrease the value of the property.
Unfortunately, insurance companies will sometimes refuse to cover the full cost of the damages in a tile insurance claim. The insurer may try to cover only the damaged portion of the tile floor, rather than paying to have all the tiles replaced. If you are facing an insurance claim dispute regarding tile damage in your home, it is important to have the advice of an experienced attorney who can help get you the full amount you are entitled to. The attorneys at Anidjar & Levine, P.A. are highly knowledgeable about Florida property and insurance law and will fight to get you the maximum compensation possible.
To schedule a free consultation with an experienced Florida tile damage attorney, please call 800-747-3733 or submit our online “Contact Us” form. We look forward to providing you with the highest level of professional, quality legal services.