If your property is flooded, it can be difficult to determine whether you should file a claim for flood damage, storm damage, hurricane damage or water damage. While each of these claim types can address similar types of damage, the claims process, including how claims are filed and handled, are vastly different.
A flood is a general and temporary condition in which excessive water or mudflow inundates two or more acres of normally dry land or two or more properties. Property insurance policies for homeowners, renters and business owners generally do not cover flood damage. Instead, flood coverage can be purchased through the government-backed National Flood Insurance Program (NFIP).
Before filing any type of water claim, it’s highly recommended that you consult with a trusted public adjuster to assess the type of claim you should file, determine the scope of damage and help you understand your coverage. Call us at 800-572-7914 today or contact us online for help filing your flood damage claim. Ever since 1992, our team of public insurance adjusters and property loss appraisers has successfully provided flood insurance claim assistance for property owners in Florida and across the nation.
The process of filing and navigating a flood claim has intricacies unlike most other property claim types and requires special care and consideration. If you neglect your post-loss duties, you may forfeit some or all of your flood claim.
Take these steps to keep your flood claim on the right track:
What Ron Says About Flood Insurance Claims
|“Many past clients hired my public adjuster firm after being frustrated from waiting weeks and even months to have their claims assessed after a mass-flood catastrophe. To make matters worse, many of those claims ended up being unjustly denied or underpaid by the flood adjusters from insurance companies. Being reactive in the insurance claim process is never a good idea. I would recommend at least consulting with an experienced public adjuster right away to gauge an accurate projection of your flood claim and your responsibilities as a claimant.”
Get more expert answers about water damage claims by visiting our FAQs page.
Insurance Claim Consultants has carried out a number of case studies in which claimants were originally underpaid or denied their deserved settlements. We have represented hundreds of victims of Hurricane Katrina and Hurricane Ike who had previously felt hopeless as a result of mass-denials of their claims.
Flood insurance companies and their claim adjusters frequently take the position that the damage resulting from flooding was actually the result of a wind or storm surge, not flood damage. Our team can counter this position with thorough documentation of the scope of flood damage using renowned engineering and weather experts to substantiate our claim packages and positions. To date, every denied flood claim and underpaid claimant we have worked with has been paid.
It’s important to understand what is and isn’t covered by a typical NFIP flood insurance claim. The following types of damage are not usually covered by flood insurance:
The team of the public adjusters and property damage appraisers at Insurance Claim Consultants is here to interpret exactly what is and is not covered by your flood insurance policy. We understand how to navigate the flood claim process and precisely document flood-specific damages, helping you achieve the quickest and most accurate settlement based on irrefutable evidence.
If we don’t win you a higher settlement, you owe us nothing. It’s that simple. Contact us today to get started.
This advertisement is made under the public adjuster licensure of Ronald F. Delo Florida License Number: A065774
Toll-Free 24/7: (800) 572-7914
Fax: (877) 679-6485
711 S. Howard Avenue
Tampa, FL 33606