Flood damage is among the trickier claims to handle, as it is NOT offered in typical homeowner’s insurance policies. Instead, flood insurance can be purchased through a government system called the National Flood Insurance Program (NFIP). When faced with a flood, it can be difficult to determine the type of damage claim you should file. Here, and during the entire claim process, a reputable Public Adjuster will ensure you take all the necessary steps to receiving your proper settlement.
An important note is that a flood is considered to be a situation in which water or mudflow submerges two or more acres of normally dry land, or two or more properties at once.
When filing for flood damage, certain steps are required that differ from most other damage claim types. Firstly, you must check that you have a flood insurance policy, whether that be through your own personal homeowner’s insurance policy, or through one you purchased via NFIP. From there, it is important to get numerous independent damage estimates of your property. This is because flood damage can be highly disputable, so multiple sources for your damage assessment is crucial to obtaining a proper settlement. Once you have done this, and spoken with a trusted Public Adjuster, then you must file your damage claim to the NFIP or your insurance provider within 60 days of the damage occurring.
Flood damages are likely to be disputed by your provider; something that a Public Adjuster can help fight. Flood damage insurance policies will not cover damage they deem “preventable.” This can include mold or moisture damage that could have been resolved. Flood damage insurance will also not cover property directly outside your insured property, nor will insurance cover any living expenses for temporary housing.
The entire flood damage process is a tricky one to navigate without an experienced professional at your side. To save yourself time and increase the payout of your flood damage claim, call us today for our professional Public Adjuster’s assistance.