David Dubin has dedicated his career to helping people whose lives have been impacted by sewer backups and flood damage. He has participated in groundbreaking advocacy and grassroots campaigns in this area of the law and has led efforts to preserve the Michigan statute that allows homeowners to file claims for damage caused by a sewer backup.
Flood insurance and sewage backup insurance are expensive and many homeowners choose to forego them. However, depending on where you live, if you do not have flood insurance your insurance might not have to pay your claim. However, you may be able to seek compensation from the governmental entity that is charged with operating the sewer system.
If you suffered a loss, you may still have a claim for damages. For example, if your property was damaged or your home decreased in value because of a flood, you may be eligible for compensation.
The amount of compensation each homeowner is eligible to receive will vary based on the nature and extent of the losses they sustained, and the severity of the flood or sewer backup. If you suffered the loss of your home, or damage to your property, business, vehicles, or personal belongings due to a flood or sewer backup, you may be entitled to compensation. You may also be able to claim losses for costs of relocation, repairs, and other expenses.
If you suffered direct or indirect costs as a result of a flood or sewer backup, you may be eligible to file a lawsuit or participate in a class-action to recover losses caused by the flood.
Flood damage includes direct and indirect losses associated with a flood. Direct costs are those connected to the flood, while indirect costs are losses incurred in an extended time period after the flood. Damage to property in your basement is an example of direct costs, while a decrease in property value or lost income because of a flood are indirect costs.