Flood Damage Recovery – Residential Claims
When homes are flooded, there are a lot of complicated factors to consider. The impact of not just the water itself, but the pollutants and chemicals carried by flood waters, can be devastating to personal belongings. The seen and unseen structural damage must be accounted for as well, and knowing what to look for and what can happen down the road is critical to making good decisions about your recovery.
The expense of mitigating water and mold damage can quickly cut into your insurance recovery, and you are immediately faced with high-pressure, high-cost decisions about what to salvage and what to replace, what is required and what is optional. All of this depends on your recovery strategy – and that in turn depends on a thorough understanding of your insurance coverages.
The average residential property insurance policy does not cover flooding; therefore you must have separate insurance through the National Flood Insurance Program (NFIP) or a private carrier in order to file a flood damage claim. NFIP flood insurance policies can be significantly different than a traditional residential property insurance policy. The requirements and deadlines are specific and strict.
Our public adjusters help you get what you’re entitled to by:
- evaluating your insurance policy to establish the best possible strategy for presenting your claim to the carrier;
- valuing, documenting and substantiating every detail;
- negotiating on your behalf with your insurance company;
- keeping you informed every step of the way; and
- ultimately settling the claim for the maximum amount and with less hassle for you.
Public adjusters work exclusively for you – the policyholder – never for the insurance company.
Who have we 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
Our insurance claims experts have helped thousands of homeowners. We encourage you to look through our references and testimonials and to contact us for recommendation letters. An internal review showed that our clients felt we delivered what we promised and would work with us again—facts we are proud of. We welcome the opportunity to put you in touch with past clients so you can ask them yourself.
Listen to our podcast on “Flood – Understanding and Recovering from One of Nature’s Worst Disasters” for tips from our experts:
For additional information, visit:
- “10 Things You Can Do To Make Disaster Recovery Go More Smoothly”
- “Do you need a Public Adjuster?”
- “Public Adjusters vs Independent Adjusters”