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flood damage
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Joel Follman

Licensed Public Adjuster

Protecting Your Interests is My Priority.

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No, floods are typically not covered by a standard home insurance policy. Home insurance policies typically cover damage caused by sudden, accidental events, such as a burst pipe or a fire. However, they typically do not cover damage caused by natural disasters, including floods.

To get coverage for flood damage, homeowners would need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer that offers flood insurance. Flood insurance policies provide coverage for damage caused by flooding, including damage to the structure of the home, as well as damage to personal belongings.

It’s important to note that there is typically a waiting period before flood insurance coverage takes effect, so homeowners should consider purchasing flood insurance well in advance of any anticipated flood events. Additionally, flood insurance policies may have limitations and exclusions, so it’s important to review the policy carefully and speak with an insurance agent if you have any questions or concerns.

If your property sustained damage due to flood, JF Public Adjusters offers a free claim review and consultation. We can review your insurance policy and advise you on what’s covered. Should you wish for us to fully manage your claim, we will ensure you receive the best possible settlement that’s due to you.

Is flood damage covered by a standard home insurance policy? Find out.

BIG ENOUGH TO HANDLE YOUR CLAIM, BUT SMALL ENOUGH TO CARE.

JF Public Adjusters Help You with Flood Damage to Your Property. We Manage Your Insurance Claim so You Get Paid What You’re Entitled To.

How To File a Flood Damage Property Insurance Claim and How JF Public Adjusters can make the entire claim process as seamless as possible for you.

Filing a flood property damage claim can be a complex and time-consuming process, but it’s important to take the necessary steps to ensure that you receive the compensation you’re entitled to. Here are the general steps to follow when filing a flood property damage claim:

Take photos or videos of the damage to your property, as well as any damaged items. Make a list of all damaged items, including their age, purchase price, and estimated replacement cost.

As part of your duties as a policyholder, take steps to prevent further damage to your property, such as drying out wet areas, removing standing water, and covering damaged roofs or walls with tarps or plastic sheeting.

Contact your insurance company as soon as possible to report the flood damage to your property. Your insurance company will provide you with guidance on how to proceed with the claims process.

Keep all receipts and invoices for expenses related to the flood damage, such as cleanup and repair costs, as well as any temporary lodging expenses.

Your insurance company will send an adjuster to assess the damage to your property and determine the amount of compensation you’re entitled to.

Herein lies a lot of the issues experienced by policyholders in general. The insurance adjuster assesses and values the damage at a cost most beneficial to the insurance company, not the insured. In short, they will likely minimize the cost of the claim. In many cases, policyholders will not be able to return the property to its pre-loss condition with the estimate provided by the insurance provider.

Hiring a public adjuster is not just a matter of convenience. Yes, public adjusters do take on the burden of managing a claim from you. However, there’s more to hiring a public adjuster than that. Public adjusters use their extensive policy knowledge, claim experience, and knowledge of construction and building codes to present an accurate figure that captures the true extent of the damage to your property. Public adjusters are also able to competently negotiate a favorable settlement for you.

Once your insurance company has assessed the damage to your property, they will provide you with a settlement offer. Review the offer carefully and make sure you understand what it covers and what it doesn’t.

JF Public Adjusters prepare our own loss estimates, compare them against the insurer’s estimate, and explain why our estimate is a better approximation of the loss.

If you feel that the settlement offer is insufficient, you have the right to dispute it. Work with your insurance company to resolve any disputes or disagreements.

Should a claim dispute not be settled via calls and emails, JF Public Adjusters escalate the claim to Appraisal.

Remember, the specific steps involved in filing a flood property damage claim may vary depending on the policy and the extent of the damage.

It’s important to review your policy carefully and consult with your insurance company or a professional insurance adjuster if you have any questions or concerns about the claims process.

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