Flood Damage or Water Damage Claim?

The difference between a flood damage and water damage claim is more than you would think.

Water damage or flood damage claim?

Water damage to drywall with suspected microbial growth.

Flood Damage Claims and Water Damage Claims may look similar as to the damages but the way the claim is handled is very different.  As a matter of fact the insurance company that you will file the claim with will most likely be different depending on if you have a flood damage or water damage claim.

I felt the urge to write this post today as we receive many calls where insureds use words to describe their loss that make sense but in the insurance viewpoint they can create confusion.  If you have a water loss due to a plumbing problem, leaking window or roof leak these are considered Water Damage Claims.  The definition of a “Flood” as defined by the NFIP or National Flood Insurance Program is:

” A general and temporary condition of partial or complete inundation of  two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from one of the following:

  • Overflow of inland or tidal waters
  • Unusual and rapid accumulation or runoff of surface waters from any source
  • Mudflow
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above

This definition is strictly held to, if it does not completely meet the definition your claim will be denied.  If you have a claim where you think it may be a Flood I recommend you contact one of our adjusters or another reputable public adjuster immediately to evaluate the situation and recommend which insurance policy the claim should be filed with.

Flood insurance is relatively inexpensive for the coverage that it provides.  When a flood happens it causes significant property damage.  According to the NFIP a relatively small flood with only 1 inch of water to a 2000 square foot home will cause approximately $20,920 in damage on average and if there is 1 foot of water this figure goes up to $52,220.  Of course these are averages but they do show the significance of damage that can be caused by a flood. Most people feel that they only need flood insurance if the are in a “Declared Flood Zone”, this is not accurate as floods can and do happen all throughout the Country.  If you are in a “Flood Zone” you may ‘Need’ this insurance for your mortgage and of course you will pay a bit more for it but in my opinion EVERYBODY should have it or at least understand the risks of not having it.

 


 

 

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  • Bruce S. AvatarBruce S.

    Great company and very personable. - 10/02/2019 

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    Ten Stars all the way!!!Greg and Eric were just what I needed in order to get a fair settlement from my insurance company. They truly care about you and work diligently and quickly to see your claim is settled to your satisfaction. I would highly recommend Claims Concepts. thank you Greg and Eric for all you did for my family - 10/22/2018 

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    We never thought of hiring a public insurance adjuster to settle a claim before, however, upon getting the run-around from our insurance company due to serious plumbing leaks throughout our home, we are extremely happy we contacted Claim Concepts. Greg Roover and Eric Thomas did a tremendous job for us. We found them extremely professional & knowledgeable in their field. We were told what to expect with regard to settlement timelines and negotiations, and they gave us a thorough & detailed estimate of what we were due based on our property damages. From the beginning to final settlement they handled everything, alleviating us having to follow up and negotiate with our insurance companies representatives and their adjusters. Greg and Eric know their business...and with their help our claim was settled well beyond what our insurer originally offered. Without hesitation, we would call Claim Concepts for any future needs and would highly recommend their service to others. Thank you Claim Concepts! - 10/23/2017 

    Leroy R. AvatarLeroy R.

    Definitely agree with others' comments here. Greg at Claim Concepts is an honest broker. He is not just friendly and reliable-- he is also knowledgeable and hard-working. Even after Greg recognized there was not a "big job" at our home, he spent a lot of time helping us get a complex issue sorted out with our insurance company. Claim Concepts are good people. - 10/16/2019 

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    Chris and his colleagues worked tirelessly to get my claim taken care of.They are the best insurance company I have ever worked with. I truly appreciated the time he took to explain my policy to me and the steps we needed to take to complete my claim.I will highly recommend them. - 10/02/2019 

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