Flood Claims Assistance
Recover from flood damage with the help of experienced public adjusters.
What is Flood Claim?
Flood claims cover damage caused by rising water from natural sources such as rivers, heavy rain, storm surges, or flash floods. In Florida, where tropical storms and hurricanes are common, flood damage is a significant concern. Unlike water damage claims, flood damage is not typically included in standard homeowners' insurance and requires separate flood insurance coverage.
Handling a flood claim involves extensive documentation and working with adjusters specialized in flood damage. In Florida's unique climate and topography, understanding local flood zones and NFIP requirements is crucial. Timely reporting and detailed records are critical to a successful outcome.
Key Aspects of Flood Claim
1. Distinction from Water Damage: Flood damage is defined as rising water from external sources. Understanding this distinction is crucial for policyholders to avoid claim denials.
2. Extent of Damage: Floodwater can destroy structures, foundations, electrical systems, and personal property. Comprehensive inspections are necessary to assess damage.
3. Temporary Living Expenses: If the home becomes uninhabitable, flood insurance often covers temporary living costs.
4. Documentation and Photos: Detailed documentation of damage, including photos and inventory lists, is crucial for substantiating the claim.
5. Proof of Elevation: Homes in high-risk areas may need an elevation certificate to assess flood risk and determine coverage limits.
Source of Flood Claim
1. Heavy Rain and Flash Floods: Sudden and intense rainfall can overwhelm drainage systems and lead to flooding.
2. River Overflow: Rivers that rise above their banks during storms or snowmelt can cause widespread damage.
3. Coastal Storm Surges: Hurricanes and tropical storms often bring storm surges that flood coastal properties.
4. Dam or Levee Failures: Structural failures can result in sudden, catastrophic flooding.
5. Urban Flooding: Poor drainage in urban areas can lead to flooding, especially during heavy storms.
Unique Claim Process for Flood Claim
1. Separate Flood Insurance Policy: Flood damage is excluded from standard policies and requires coverage through the National Flood Insurance Program (NFIP) or private flood insurance.
2. Elevation and Flood Zone Considerations: Policy coverage depends on the home's flood zone designation and elevation.
3. Extensive Documentation: Flood claims require detailed records, including photos of the home's condition before and after the flood.
4. Cleanup and Health Hazards: Floodwater often contains contaminants. Professional cleanup services are necessary, and some insurers provide additional funds for biohazard remediation.
5. Delayed Settlement Process: Flood claims may take longer to process due to the extent of damage and the number of claims filed during major disasters.
Why Choose Our Public Adjusters?
Expert Advocacy
We fight for your rights and ensure fair compensation.
Maximized Settlements
We assess the full extent of your flood claim damage.
Fast Processing
Experience a streamlined claims process.
Our Comprehensive Flood Claim Services
Property Damage Assessment
We thoroughly evaluate the extent of property damage caused by hurricanes.
Policy Review & Claim Filing
We analyze your policy and ensure all documentation is correctly filed.
Negotiation & Settlement
We negotiate with insurers on your behalf to secure the best settlement.
Our Simple Flood Claim Process
- Contact us for a free consultation.
- We inspect the damage and review your policy.
- We document everything and file the claim.
- We negotiate with your insurer.
- You receive your compensation.
What Our Clients Say
"The team was incredible in helping us get the compensation we deserved after the hurricane!"
"Professional, efficient, and always on our side. Highly recommend their services."