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

How Our Team Helps You

  • Evaluate Evaluating your insurance policy to establish the best possible strategy for presenting your claim to the insurer.
  • Strategy Valuing, documenting, and substantiating every detail.
  • Communication Keeping you informed every step of the way.
  • Negotiation Negotiating on your behalf with your insurance company.
  • Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Homeowners We Have Helped

[Your company representative] also handled our flood claim and made sure that we got the building limit… and a good settlement on the content. If it had not been for [your] help, we would not have obtained the settlement we received… [your company] dealt with all parties professionally and kept us informed throughout the entire process.
Karl and Jackie Heberlein
Homeowners
Testimonial

Related Resources

  • Video
    02.01.2017

    Homeowner's Flood Insurance Tips

    John Marini, President and CEO at Adjusters International gives homeowners tips on floods insurance in this video
  • Publication
    Issue # 3033

    Flood

    Each year floodwaters will rise and numerous properties will be destroyed. Flooding can occur just about anywhere, and other than fire, it is the most common widespread disaster. ...
  • Podcast
    11.30.2015

    Flood Insurance

    Assisting policyholders in understanding which types of damages will be covered by normal flood insurance, NFIP and FEMA
  • Video
    02.01.2017

    Homeowner's Property Inventories

    Luis Esteves, Principal and Executive General Adjuster at Jansen/Adjusters International discusses the importance of an accurate homeowner's property inventory

Contact Us

If you're suffering from a homeowner property claim, we can help!
Call us at 877.482.1234 or fill out the form below:
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Meet Your Public Adjuster
Steve Vanuga
Steven Vanuga
Executive Vice President
Through his extensive knowledge of both the insurance industry and property insurance policies, Steve is able to empower our clients to achieve maximum results from their property insurance claims.
Contact him today!