Flood Damage Public Adjuster
Flood Damage
Flood insurance typically needs to be purchased in addition to a homeowners Insurance policy. More importantly, the term flood has a specific definition that’s often confusing for most people. A flood is when water from an existing water source, like a lake, rises up and enters the property. Usually when property owners see water in the property they’ll say, “my house is flooding!” Actually, this is water damage and the water intrusion is likely from a broken pipe or roof leak. This would not be a flood claim, but rather a broken pipe or roof leak claim.
Flood Damage Causes
- Heavy rains
- Thawing snow
- Storm Surges
- Flash flooding
- Broken Levees
- Overflowing Rivers
Flood Damage Stats
- All 50 states have experienced floods or flash floods in the past 5 years.
- In 2018 the average flood claim was $42,580
- Total flood insurance claims average more than $3.5 billion per year from 2005 – 2014
- Even a few inches of flood water can cause thousands of dollars in damages.
- Flood damage is not typically covered in homeowner’s insurance. you must purchase additional flood insurance.
How A Public Adjuster Can Help Me
The initial contact with your insurance carrier is critical. This contact can be the difference between your claim being paid or getting denied.
Differentiating between belongings and property that can be repaired vs replaced can be overwhelming.
The many requirements and the extent of the damage all come into consideration at this point in your Flood Damage insurance claim. It’s hard to properly calculate what amount will effectively cover all the damages to your home. It may seem like the insurance carrier paid you enough. In reality it could require so much more to repair your home and bring it back to Pre-loss condition.
The complexity and time-consuming tasks can be taken off your hands by a Flood Damage Public Adjuster.
Let us help represent you and help you navigate your flood damage insurance claim.