On April 12th, 2023, Fort Lauderdale and surrounding cities in Broward County experienced one of the worst flooding events in history, a true 1 in 1000 year event. The flooding caused extensive damage to cars, homes and businesses throughout the city and surrounding areas, leaving many feeling helpless and overwhelmed. This is where having a seasoned Fort Lauderdale Public Adjuster could prove beneficial.
Dealing with a Flood Claim is not as easy as it should be...
Flood claims are very technical. The first hurdle is to determine if there was a general condition of flooding at your property. You may be asking, what qualifies as a general condition of flooding? The NFIP defines a flood as water inundation of normally dry land from any source, which covers either 2 acres of land, or 2 or more properties (parcels of land), one of which may be a public roadway that is inundated with flood water.
Flood claims are not typically covered under your standard homeowners policy, except in some rare circumstances. Most people will need to have a separate policy to cover this type of damage. Dealing with Flood Claims in the aftermath of an event like this can be complicated and often confusing for the victims. Flood policies are unique, and these claims need to be handled accordingly. There are firm timelines for filing Proof of Loss forms and other items you need to be aware of. You will definitely want to review your policy to ensure that you comply with all of the post-loss obligations.
These policies are either going to be backed by the NFIP which is run by FEMA or by a private company that offers flood insurance. If it is a private company, they are required to provide, at a minimum, the same coverages as provided by the NFIP. The benefit of having a private flood policy is that it may offer some additional coverages that are not available in the NFIP such as assistance with additional living expenses and replacement cost coverage on your personal property, as well as being obligated to follow Florida laws & statutes during the adjustment of your claim.
Don’t hesitate to ask for help with a flood claim as there are timelines that must be complied with.
How to Get Help with a Flood Claim
Fortunately, there is help available for those affected by the flooding. Claim Concepts is a team of experienced public adjusters who specialize in helping home and business owners navigate their insurance claims after disasters such as this one. The owner of Claim Concepts is a Former NFIP Certified Flood Adjuster and knows the process well. Our team is dedicated to helping home and business owners recover the compensation they deserve for the damages caused by this record setting flood event.
At Claim Concepts, we understand that filing an insurance claim can be a tricky, complex, and often frustrating process. Our goal is to alleviate you of all this, so that you can focus on getting your life back to normal while we focus on your claim. We have the knowledge, experience, and expertise to help you navigate the insurance claim process to ensure you recover the settlement that you need and deserve. Whether you need help understanding your policy, filing a claim, and/or negotiating with your insurance company, we are here to help.
Our Team is Currently Assisting Policyholders in the area
We know that dealing with the aftermath of a disaster such as this can be an emotionally draining experience. We are here to listen and provide guidance to help you through this difficult time.
If you were affected by the flooding in Fort Lauderdale or any of the surrounding cities, don’t hesitate to seek help. Contact Claim Concepts today to get the flood claim assistance you need. Our team of public adjusters is here to help guide you through this process to ensure you get the compensation you deserve.