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Flood Insurance Claim Adjuster

Flood Insurance Claim Help from Proven Public Adjusters

Flood Insurance

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.

Flood Claim Process

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.

  • Verify you have a flood insurance policy through NFIP
  • Contact your insurance agent or broker to obtain a certified copy of your flood policy and any other policy through which you could file a homeowner claim or business insurance claim.
  • Obtain independent damage estimates to gauge the TRUE cost to rebuild or restore your property. We suggest obtaining three estimates from different qualified and experienced professionals.
  • Submit a Notice of Loss through NFIP as soon as possible, this is a must-do
  • Fill-out a Proof of Loss within 60 days. Make certain you contact a trusted public adjuster prior to submitting this form. Mistakes or omissions will jeopardize your flood claim.
  • Contact an experienced and trusted public adjuster if you have questions or concerns about the flood claim process.


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.
Ronald Delo

Ronald Delo


Getting an Underpaid or Denied Flood Claim Paid

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.

Items NOT Covered by Flood Damage Insurance:

It’s important to understand what is not covered under a typical NFIP flood insurance claim:

  • Damage caused by moisture, mildew or old that could’ve been prevented by the claimant
  • Property outside of an insured building such as trees, plants, hot tubs and septic systems
  • Additional living expenses including temporary housing
  • Financial losses with a business claim or business interruption claim

You Have Questions. Our Public Adjusters Have Answers

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.

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