Elite Insurance Law PLLC

"Wear and tear" is a position. It is not a fact.

Insurance covers sudden damage. It does not cover things wearing out over time. After a storm, those two stories compete. You say the hurricane damaged your roof. The insurer says the roof was already old.

That call gets made by someone the insurance company pays. An old roof does not mean the storm left it alone. Photos from before the storm, inspection records, and the pattern of the damage can all push back on that story.

If those words are in your letter, DM me the word CLAIM and I'll send you a link to book a free consultation.

If you’re dealing with recurring plumbing leaks, your insurance may cover more than just the visible water damage, it could include access and even replacement of your entire water distribution system.

Many homeowners only get repairs for the affected area, without realizing their policy may support a full system replacement to prevent future leaks.

Click the link below to schedule a free consultation and let us review your policy to see what you may be entitled to.