Is your claim for flood damage, storm damage, hurricane damage or water damage? Although these claim types appear to have similar effects of damage, the claims process and how the claims are filed and how they need to be handled are vastly different.
A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Property insurance policies for homeowners, renters, and business owners DO NOT cover flood damage. Instead, coverage is purchased through the government-backed National Flood Insurance Program (NFIP).
Before filing any type of “water claim” you should consult with a trusted public adjuster to first assess the type of claim and determine coverage. Since 1992, our teams of public insurance adjusters and property loss appraisers have successfully provided flood insurance claim help for property owners across the U.S.
The flood claim process has intricacies unlike other property claim type, requiring special care and consideration. If you neglect post-loss duties and responsibilities you will forfeit your flood claim.
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 represented hundreds of Hurricane Katrina and Hurricane Ike claimants whose flood insurance claims were originally denied or underpaid. Most people affected by mass-denials felt hopeless.
The flood insurance companies and their claim adjusters took the position that the damage was the result of wind or storm surge, not flood damage. We countered this by fully documenting the scope of the flood damage by utilizing renowned experts in engineering and weather to substantiate our claim packages and positions. Every denied flood claim and underpaid claim that we handled was paid.
It’s important to understand what is not covered under a typical NFIP flood insurance claim:
You can count on the public adjusters and property damage appraisers at Insurance Claim Consultants to interpret what is and is not covered with your flood insurance claim. We know how to navigate the flood claim process and how to precisely document flood-specific damages, resulting in an accurate and subsequently quicker settlement based on scientific evidence.
Do not wait until it’s too late. Get the answers you need to move forward from public insurance adjusters who have successfully handled hundreds of flood claims. Start on the road to recovery today.
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