Why are Flood Damage Claims known to be so difficult to resolve?
Flood damage insurance claims can be much more complicated than they appear. There are a minefield of exclusions that can easily result in a claim that is dramatically underpaid or denied if presented improperly to the insurance company. If you have ever been a victim of Flood damage or even seen images on TV you can appreciate the enormously destructive power of Flood Waters.
What is the difference between a simple Water Claim and Flood Damage Claim?
It is very important that you understand the difference between flood damage claims and water damage claims as their differences are enormous when referring to how the claims will be handled and which company you should contact to file your claim.
The definition of a Flood, as defined by the National Flood Insurance program, is:
Flood – 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
Recovering after Flood Damage Claims
First, you have to deal with Filing a Florida Flood Claim. FEMA Flood Claims are handled through the National Flood Insurance Program. Do you know what it will take to get your property back to the pre-loss condition after suffering a water loss of this magnitude? Did the water wick up your walls? That’s right, it can and does soak up into your drywall which can eventually lead to mold growth. Even 1 inch of water from a flood can cause severe damage to your property!
The bottom line is after water damage, property owners often face enormous repair bills and obstacles that can lead to an even larger loss. You don’t have to face your insurance company alone, let Claim Concepts assist you in recovering the largest available settlement with the least amount of hassle.
Our job at Claim Concepts it to help people like you. Our passion and expertise is to put an accurate dollar value on your loss and fight to recover it from your insurance company. We don’t work for the insurance company, we work directly for you with ONLY your interests in mind…let us fight for you!
Us Against The Insurance Company
Your insurance company employs an adjuster to work on its behalf. These adjusters are paid and trained by your insurance company, do they have your best interest in mind? Insurance companies do not make any money paying claims, actually, the claims division is most likely their largest expense and therefore the easiest place for them to increase their bottom line.
We are State licensed Public Insurance Adjusters. Greg Roover, the owner of Claim Concepts brings experience working on both sides of the fence, being trained by the Big Insurance Companies he knows how they work, think and act. That’s right, he used to be an adjuster for the other side. His experience working on both sides has helped many property owners achieve the claim settlement that they deserved.
You probably have enough to deal with right now. Our job includes the preparation of building damage estimates, contents inventory lists and documenting your other losses. We handle all the tedious tasks of compiling, filing and settling claims.
