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When a storm rolls in, most people in San Diego don’t consider how it could change their lives. However, in San Diego, our beautiful beaches and sunny skies can quickly turn into a struggle against floods and landslides.
These natural disasters can cause serious damage to homes, businesses, roads, and even lives. If you’ve been affected by one of these events, you might feel overwhelmed and unsure about what to do next.
Flood and landslide claims can quickly become tricky and devolve into a tug-of-war between you and insurance companies that are trying to place the blame on your shoulders and deny you the compensation you need.
A San Diego flood damage lawyer at Thorsnes Bartolotta McGuire can step in to stand up against insurance companies and help you begin rebuilding your life. With over 45 years of experience, our team is dedicated to making the lives of San Diegans better in any way we can. Get in touch with us online or call (619) 236-9363 today if you’ve been affected by a flood or landslide.
“The group of attorneys at this firm are not only competent, experienced, and thorough, they are kind, caring, and patient. They make sure that everything is explained thoroughly and do not get impatient when questions are repeated or the client needs further explanation. If I ever need an attorney in the future, this will be the first firm that I call.”
- Client: Maria P.
What Causes Flood Damage in San Diego?
Many people don’t associate San Diego with floods, but the truth is that flood damage can happen nearly anywhere, and our city is no exception. In fact, there are 22,706 properties in San Diego at risk of flooding over the next 30 years.
Furthermore, San Diego is burdened with an aging stormwater system with very limited capacity. This widespread flooding that took place in San Diego in 2024 highlights this very serious problem, with the National Weather Service reporting that Jan. 22, 2024, was the fourth wettest day on record in San Diego history.
Here are some common scenarios that can lead to flooding in San Diego:
- Heavy Rainfall: Intense storms during the winter can overwhelm drainage systems, causing water to overflow onto streets and properties.
- Storm Surges: Coastal areas may experience flooding from storm surges during hurricanes or severe storms.
- Melting Snow: In the spring, melting snow from nearby mountains can increase water flow into rivers and streams, leading to potential overflow.
- Wildfires: After wildfires, the ground can be damaged and lose its ability to absorb water. This makes it easier for heavy rains to cause floods because the water can’t soak in like it usually would. San Diego County experienced 43 wildfires in 2024, burning 2,311 acres of land.
- Dam or Levee Break: Dams and levees are built to hold back water and protect areas from flooding. If one of these structures breaks or fails, it can lead to sudden and catastrophic flooding.
- Sewer Backups: Problems with the sewage system can also result in flooding, particularly during heavy rains.
The Difference Between Flood and Water Damage Insurance Claims
Generally, flood damage refers to water that comes from an external source, like heavy rainfall or storm surges, and is typically covered by specific flood insurance policies.
However, water damage usually involves water from internal sources, such as a burst pipe or a leaking appliance, and may be covered by standard homeowners insurance.
Insurance companies treat these types of damage very differently. Only flood insurance will pay for flood damage claims, which are underwritten by the federal government through the National Flood Insurance Program (NFIP).
Many people in San Diego don’t have flood insurance, assuming their homeowners policy will cover everything. However, if your homeowners insurance denies your claim for flood damage, then a San Diego flood lawyer can help you challenge your denied or undervalued claim.
According to studies, including one by Martindale-Nolo, working with a lawyer can significantly improve your chance of a successful claim. A San Diego flood damage lawyer will know the ins and outs of the insurance claims process and won’t back down from getting the help you need to recover.
You don’t have to face the insurance company alone. Reach out to Thorsnes Bartolotta McGuire online or call (619) 236-9363 today.
What Can a San Diego Flood Damage Attorney Do for My Claim?
If your home has been damaged by flooding, dealing with insurance companies can be an exhausting uphill battle. Instead of accepting less money that won’t fully cover your damages, or worse, be denied coverage entirely, a San Diego flood attorney can help you:
- Understand Your Policy: Insurance policies can be confusing. A skilled attorney knows how to read and interpret these documents. They can explain what your policy covers and doesn’t, helping you understand your rights.
- Gather Evidence: To get your claim approved, you need strong evidence of the damage. An attorney can help you collect photos, repair estimates, and other important documents that prove the extent of your loss.
- Negotiate with Insurers: Insurance companies often want to pay as little as possible. An experienced attorney knows how to negotiate effectively. They can argue on your behalf and push for a fair settlement, making sure you aren’t shortchanged.
By working with a San Diego flood damage attorney, you’re giving yourself the best chance of a successful claim. They know the ins and outs of the process and are dedicated to fighting for your rights. Don’t face the insurance company alone—get the help you need to recover from flood damage.
What Contributes to Landslides in San Diego?
With the share of precipitation during the biggest downpours in San Diego projected to increase, landslides in San Diego could also become a more common occurrence. Here are some common causes:
- Heavy Rainfall: San Diego's rainy season can lead to saturated soil. When the ground gets too wet, it can’t hold on to rocks and soil, which may slide down the hillside.
- Earthquakes: San Diego is near several fault lines and is home to hundreds of active faults in the region, such as the Elsinore fault and the San Jacinto fault. Even small earthquakes can shake loose rocks and soil, causing landslides.
- Soil Composition: Some types of soil, like clay, can become slippery when wet. This makes it easier for landslides to occur.
- Vegetation Loss: Trees and plants help hold soil in place. If wildfires or construction remove vegetation, the soil can become unstable.
- Slope Steepness: Steeper slopes are more likely to experience landslides. Many areas in San Diego have hilly terrain, increasing the risk.
- Human Activity: Construction, digging, or heavy vehicles can disturb the ground. This can weaken the soil and lead to landslides.
“Many people trust that their insurance companies will be there when disaster strikes, but the reality is often disappointing and frustrating. When a flood or landslide upends your life, you shouldn’t have to spend your time arguing with your insurance company. Our firm’s mission is to help you get the support you need.”
- Attorney Karen Frostrom
How Can a San Diego Landslide Lawyer Help Me?
Landslides can have disastrous impacts on property, including the destruction of homes, damage to foundations and landscaping, increased repair costs, loss of personal belongings, and a decline in property value, leaving homeowners facing significant financial and emotional distress.
Similar to flood damage claims, insurance companies may try to lowball your landslide claim or deny it outright. However, a San Diego landslide attorney can protect your interests and challenge the insurance company’s decision to fight for better compensation that will fairly address the damage you’ve endured.
Thorsnes Bartolotta McGuire Is Here for You in the Aftermath of a Flood or Landslide
Since 1978, Thorsnes Bartolotta McGuire has provided clear and effective legal guidance to people in San Diego and beyond, securing over $2 billion for our clients.
We have witnessed firsthand the devastating effects flood and landslide damage can have on people living in San Diego, which is why we are here to fight for the full and accurate compensation needed to piece their lives back together following these natural disasters.
To learn more about what a San Diego lawyer for flood damage or landslide damage can do for you, contact us online or call (619) 236-9363 today.