Flood Damage

Flood-Damage Insurance Claim

The impact of flooding can be felt in two ways: the property lost and damage because of the excess water and the devastation that comes with the pursuance of the insurance claim. There is so much to deal with, for example, proving that the damage was not merely water damage but because of flooding.

Unlike the late 90s, private companies have been the providers of flood insurance coverage. However, the National Flood Insurance Program (NFIP) offers financial assistance to homeowners and businesses that obtain flood insurance. Therefore, your homeowners’ insurance doesn’t cover flood damage. You need to purchase a separate policy that caters to flood damage.

Why Choose a Professional Public Adjuster

There are a lot of complex issues involved in the flood insurance claims process. You need to understand the definition of “flood” as far as insurance claims are concerned. In layman’s language, flooding is the excessive rise in water levels to an otherwise dry area due to overflowing rivers, torrential rains, heavy rains, and hurricane storms. Disaster-related damages involving flooding come with all types of complicated issues, which require the skills and knowledge of an expert public adjuster. We are here for you. Our professionals will work with you to ensure that you get adequate compensation to set you in the path to rebuilding, repairing, and restoring your daily routines.

We also understand that home restoration after water damage requires the services of a reputable dry-out company. Although FEMA and NFIP may cover the related costs, you need a well-versed public adjuster who understand the rules and policies of claiming the funding. Most policyholders who opt to handle the claims process themselves face the obstacle of huge bills to pay. You need a claims adjustment professional who can help you reduce your risks and expenditure that come with the process.

Our expert team at All Results Public Adjusters and Experts is also dedicated to ensuring that you get the help you need. We will do everything in our power to maximize the settlement payment. They will not conduct a 15-minute damage assessment, but they will dig deeper into the hidden issues, documenting what your insurance company’s adjuster could have missed out. As a result, our property valuation exceeds theirs. Subsequently, we will sit down with your insurance agent to bring balance to the negotiation table to get fair compensation. With us by your side, there’s no need for you to understand the complicated insurance policies governing the claims process. We are here to handle everything, from documenting and evaluating the damage to document organization to negotiations.

Initial Documentation Done Professionally

Your approach to the initial documentation may mean the difference between success and failure in your claims process. We advise that you snap photos and take videos of the property as-is. The visual presentation offers substantial evidence of damage that may not be picked up at a later time. You need to contact a professional public adjuster to help you prioritize what to capture.

“How high is the flood line?” That’s one question that most insurance companies ask. You need to understand the nature and extent of the damage. Our professionals know how to assess the damage looking at the flood line – the depth to which the water flooded the home. Using the flood line, they can make a rational conclusion regarding the scope of the damage. We believe that it helps to address inspect the damage during the early stages for better outcomes.

Don’t let your pursuit for your flood insurance claim wear you down. It is a daunting process that calls for the expertise of a qualified and accredited public adjuster. Contact us today, and we will be more than glad to help you.