December 15, 2014

There is a chasm of difference between flooding and water damage and that difference often comes down to the claims process.  Many companies will define too much water in your home as a flood but that doesn’t mean what you have is actually flooding!

Using a broad brush we can define a flood as water coming from the ground up and water damage coming from the top down.  If you have a pipe burst in your attic and that floods your home you should be covered as long as you have a homeowners or renters policy.  On the other hand, if your yard floods from too much rain and the interior of your home is impacted that is usually a flood.  Not all insurance companies agree!

We have seen companies that get more creative than the law allows and define any level of excess water as a flood.  This is done because it appears to be a flood and in many cases the person being flooded will never know the difference.  Both events have to do with an excess of water and both are expensive.  In neither case does the insurance company want to pay for the loss!

We will note that Flood Insurance is a specific type of insurance much like Earthquake insurance and to be protected you will need a specific policy.  It should also be noted that in most cases there is a 30 days waiting period for the policy you buy to assure actual coverage.  This is done to prevent fraud… The reason for this blog is that fraud is a 2 way street!

If you have been denied coverage for what you feel should be a covered loss you may be the victim of Insurance Bad Faith!  If this describes you please call the Law Office at Guenard & Bozarth at 888-809-1075 or visit  We have the experience and aggressive posture to get the insurance company to do what you paid them to do.  We Can Help!

Share on facebook
Share on twitter
Share on linkedin





Guenard & Bozarth llp obtained a $2,962,903 jury verdict in the Sacramento County Superior Court for plaintiff David Schoonover, who suffered head and neck injuries and fractures in a head-on accident on Roseville Road in Roseville on July 22, 2012




Guenard & Bozarth LLP recently settled a case for $300,000 involving a hair weave that went terribly wrong. Our client was a young lady, and aspiring model, who experienced pressure necrosis from a tight weave and it changed her life.




Guenard & Bozarth LLP recently settled a slip and fall case for $500,000 a couple weeks before trial. The client slipped and fell on a wet piece of cardboard in a grocery store and sustained a serious shoulder injury that required surgery.




On February 13, 2013 Maricela, a Certified Nursing Assistant presented to Santa Barbara Cottage Hospital Emergency Room with complaint of neck and back pain. She was diagnosed with a neck strain and was given Ibuprofen and instructed to return if her symptoms did not subside.


Contact Preferences

How would you like to be contacted? Check all that apply.

This field is for validation purposes and should be left unchanged.

Never in my life did I think I would recommend an attorney. Somehow God sent this angel of an attorney to assist me in my personal injury lawsuit. I was told by lawyers in Bakersfield that my lawsuit was frivolous because there was money in it.

– Bill
Read More

I live in Elk Grove where we don’t always have a lot of choices. Lawyers are one area where we have few good choices. I wanted to work with a local law firm after my motorcycle accident, and I chose Glenn Guenard and Ross Bozarth.

– Lloyd
Read More

My daughter was involved in an automobile accident in an intersection on her 17th birthday. The other person said it was her fault and my daughter said her light was green. I am not the sort of person who sues but my insurance
– Sharon
Read More