Homeowners Insurance Claims for Flood Damage

You may live in an area where flooding seems the least likely possibility. But then it invades your home. Now, with costly property damage, how can you file and negotiate a claim that will get you enough to restore your home?
Once you experience flood damage, you may be overwhelmed with a rush of outside opinions on how to best handle your insurance claim. Our public adjusters are there to allow you to take a step back and make an educated decision.

Are you prepared for the unexpected? Regardless of location or proximity to a floodplain, many homeowners can experience a flood loss. When it comes to flood insurance and flood risk, most people may not realize that it has to be purchased as a separate policy from their homeowners insurance.

What does flood insurance cover? It is different than regular property insurance policies and, because flooding results in damage to multiple homes, the volume of claims can lead to a complicated and stalled insurance claim process with your insurance company. By working with our public adjusters, though, there is no need to wade through any of that. We work with you as partners and advocates to assess, evaluate, and document your damage, and negotiate a maximum claim recovery that will get you the optimum amount you are owed.

What To Focus On After Flood Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • How much do I really need to know?
  • How much of my time will this take?
  • How can I minimize the emotional toll on my family?
  • How can I minimize the effect on my work/career?
  • How large of an advance should I expect?
  • Is there anyone on my side?
  • How much time over the next several months will you need to put aside to handle your claim properly? How will all those hours affect your family? Your job?
  • What is the emotional investment that you will need to commit to the process?
  • Can you get paid for your time?
  • Are you entitled to an advance from the insurance company? What is reasonable?
  • What is your broker or agent’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
  • Are you familiar with the forms/practices below and what their request/issuance is telescoping? Request for a Proof of Loss. Reservation of Rights letter. Request for an Examination Under Oath.

Property Damage Losses Homeowners Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

Homeowners We Have Helped

You and your staff were extremely sympathetic and very professional in the way our claim was handled. We know there is no way that we could have received anywhere near as much compensation from the insurance company as what you were able to get for us. You got us more than we ever expected. One of the best things you did for us was taking over and doing all the negotiations. As you know, we met the adjuster from the insurance company the day after the fire and never spoke to him again as you handled everything.
Joe & Evelyn Schorr
Testimonial

Related Resources

  • Podcast
    11.30.2015

    Flood Insurance

    Assisting policyholders in understanding which types of damages will be covered by normal flood insurance, NFIP and FEMA

Contact Us

If you're suffering from a homeowner property claim, we can help!
Call us at 888.473.3677 or fill out the form below:
( * ) indicates required field
Sorry, there was a problem with your submission.