The absolute pollution exclusion is an insurance industry policy that typically excludes coverage for property damage that results from the “actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants.”
In such a case, the term “pollutants” is generally defined as any solid, liquid, gaseous or thermal irritant or contaminant, which includes smoke, vapor, soot, fumes, acid, alkalis, chemicals and waste.
According to the Absolute Pollution Exclusion, if you have suffered injuries or your property has sustained damage because of someone’s act of pollution, compensation will generally not be covered in a Florida homeowners insurance claim.
There are; however, certain exclusions to the Absolute Pollution Exclusion. In some cases where you have suffered damages because of pollution, you may be eligible to file a lawsuit, depending on the circumstances of your case.
Remember that there are almost always some types of exceptions to insurance policies and rules, so it is difficult to know what laws may apply in your case without having the full details of your claim.
Important details like how the pollution occurred (was it from a nearby factory or from the company that constructed your home?) and the terms of your individual policy will have a critical impact on the strength of your Florida pollution claim. An attorney who has experience with homeowner issues like pollution claims can guide you with this difficult area of insurance.
Attorneys in Florida Who Focus on Homeowners Insurance Claims
The Florida homeowners insurance claim attorneys at Falk & Falk Law Firm know how important it is to you and your family to get the settlement you need in order to move on with your lives. Our homeowners insurance attorneys have experience in helping victims of hurricanes, pollution, theft, vandalism, fire, sinkholes and more to recover from their loss. An experienced attorney can help you to fight for the compensation that you need and navigate the tricky world of homeowners insurance in Florida. Contact us today – 305-742-0878.