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.

 


 

 

Free Claim Review With a Florida Public Adjuster

What our clients say…

  • Shanda N. AvatarShanda N.

    Excellent professional service! I received everything I needed in a timely fashion.. highly recommended - 6/23/2017 

    Karen K. AvatarKaren K.

    Eric and Greg were very responsive and knowledgeable and guided our Association through the insurance claim process. - 1/23/2019 

    Marilyn P. AvatarMarilyn P.

    We had a water leak in our house. We called insurance and they send an appraisal guy to determine the damaged. What a bad experience when he gave me instructions of what to do taking pictures forward to him etc. When the insurance final the case they send us a check for much less to cover all the damage.We found Greg Hoover, He response immediately and guides us in what to to do. He fought for us with the insurance company and we get exactly He told us in his appraisal. Highly recommended him. Very professional - 10/23/2017 

  • Dave S. AvatarDave S.

    Greg was great to work with and got results! - 10/23/2018 

    Rick P. AvatarRick P.

    Eric & Jesse were great to work with. They were very efficient and kept us updated though out the entire process. They were able to negotiate a satisfactory settlement. Thank you Claims Concepts (Eric/Jesse) for all your help!! I highly recommend Claim Concepts if you ever need a Public Adjuster. - 10/23/2018 

    Duane B. AvatarDuane B.

    I highly recommend claim concepts. Greg was extremely pleasant to deal with, yet firm and persistent in getting us the results necessary. I highly recommend them. You won't be disappointed. - 6/21/2017 

Our Florida Public Adjusters represent Policyholders Statewide, including but not limited to the following areas:

Florida Panhandle, Bay County, Washington County, Holmes County, Jackson County, Calhoun County, Gulf County, Franklin County, Liberty County, Gadsden County, Wakulla County, Leon County, Panama City, Panama City Beach, Marianna, Port Saint Joe, Apalachicola, Blountstown, Tallahassee, Mexico Beach, Callaway, Chattahoochee, Lynn Haven, South Florida, Central Florida, Northern Florida, Southwest Florida, West Florida, Palm Beach County, Martin County, St Lucie County, Broward County, Okeechobee County, Brevard County, Glades County, Indian River County, Lee County, Dade County, Boca Raton, Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boynton Beach, Lake Worth, Hobe Sound, Stuart, Palm City, Juno Beach, North Palm Beach, Royal Palm Beach, Singer Island, Riviera Beach, Collier County, Charlotte County, Palm Bay, Melbourne, Vero Beach, Cape Coral, Fort Myers, Orange County, Orlando, Port Saint Lucie, Weston, Delray Beach, Kissimmee, Fort Pierce, Greenacres