Filing a Flood Insurance Claim

Looking to file a flood insurance claim? Floods cause significant direct and indirect losses each year that include loss of lives, injuries, and damage to buildings, belongings, vehicles, and infrastructure. In 2019 alone, floods caused $ 3.75 billion worth of crop and property damage in the U.S.

Flood insurance protects policyholders against the losses suffered due to floods and resulting water damage. Before you file a flood insurance claim, consulting a public adjuster will help you get unbiased, expert, and reliable guidance on getting the settlement you deserve.

If you have experienced flood damage in Missouri, Texas, Illinois, Florida, or other states, Claims Adjusters can help. Call us or contact our insurance adjusters online to learn more.

What Types of Damage Do Floods Cause?

A flood is a temporary condition where excessive water flows into dry land or multiple properties. Floods are typically caused by very heavy rainfall, hurricane, storm surge, rapid snowmelt, or tsunami. When floodwaters recede, the areas affected are often buried in silt and mud. Hazardous sharp debris, fuel, pesticides, and untreated sewage can further damage structures and belongings.

Flood insurance covers the structures directly affected by the flood as well as the contents of the building, such as:

• Plumbing and electrical systems
• Furnaces
• Water heaters
• Refrigerators and other kitchen appliances
• Carpeting and curtains
• Cabinets, bookcases, paneling
• Foundation and walls
• Staircases
• Detached garages
• Personal belongings, including furniture, clothing, and electronics
• Valuable items

Your insurance policy is designed to meet the expenses of cleaning up the property, repairs, and replacement of walls, and remediation of mold and mildew, apart from the covered contents.

What is not covered under flood insurance?

It can be confusing to understand what the policy does not cover. Often times, insurance companies can conclude that the damage is the result of a storm surge or wind and not directly from a flood. This is where public adjusters step in to counter this position with thorough documentation and accurate flood damage assessment.

Why Work with a Public Adjuster for Your Flood Insurance Claim?

When a hurricane or flood hits your home or office building, your insurance company can assign different adjusters based on the scale of the damage. Different adjusters may be assigned to assess the damage to the structure, your personal property and estimate the additional living expenses. A large-scale insurance claim can get complex and needs a meticulous approach to make sure you get a fair settlement.

The flood insurance claim process can require detailed paperwork, evidence collection, and can stretch out into weeks, leaving you physically and mentally exhausted. Insurance adjusters are loyal to their companies, and their interests lie in minimizing the amount of insurance payout.

Our team of public adjusters assesses the extent of flood damage accurately using renowned experts to strengthen our claim.

As public adjusters, our loyalties at Claims Adjusters are towards our clients and not to insurance companies. We are licensed and bonded while being well versed in all aspects of flood insurance claims. As members of the industry's professional organization and adhere to stringent ethical standards. We are not only thorough in our flood damage analysis but leverage our negotiation skills to ensure policyholders get the best offers on their flood insurance claims.

Speak to our representatives to learn more about how our public insurance adjuster can help you get the best offer for your flood insurance claim.