Flood Damage Claim Services By A Public Adjuster

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Why is a Flood Damage Claim known to be so difficult to resolve?

Many times, woman leaning against the front door entrance of her home with muddy water over her knoees a Flood damage claim is notoriously challenging to resolve. This difficulty often arises because standard homeowners’ insurance companies do not usually manage these claims. Instead, they fall under the jurisdiction of the National Flood Insurance Program (NFIP), operated by FEMA. The involvement of a federal agency adds complexity to the process, as these claims are subject to unique and often intricate guidelines. These specific regulations can be perplexing, even for experienced claims adjusters, making it hard to assess and estimate damages accurately. This complexity underscores the importance of a skilled Public Adjuster specializing in flood damage claims. 

When seeking a Public Adjuster, verifying their expertise in flood claims is crucial. While many adjusters are proficient in various areas, the specific skills required to manage and resolve flood damage claims effectively are distinct and essential for achieving a fair and equitable outcome.

House Split in Two Due to Unstable Ground Event

What is the difference between a simple Water Claim and a Flood Damage Claim?

You must 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 a Flood Damage Claim

First, you have to deal with Filing a 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 is to help people like you.  Our passion and expertise are 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!

Leveling the Playing Field in Flood Damage Insurance Claims

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.

Flooded Home with Speed Sign, Facing Water Damage Consequences
Claim Concept assists with flood damage claim

Flood Damage Claim FAQs

  • Why are flood damage claims known to be so challenging to resolve?

    • Flood damage claims are challenging because they’re typically not managed by standard homeowners’ insurance companies. Instead, they fall under the National Flood Insurance Program (NFIP), operated by FEMA. The involvement of a federal agency adds complexity, as these claims are subject to unique and intricate guidelines, making it hard to assess and estimate damages accurately.
  • What is the difference between simple water and flood damage claims?

    • Understanding the difference between flood damage claims and water damage claims is crucial. The NFIP defines a flood as 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), caused by various factors like overflow of inland or tidal waters, rapid accumulation of surface waters, mudflow, or land collapse along water bodies.
  • What does recovering after a flood damage claim involve?

    • After a flood damage claim, property owners often face significant repair bills and obstacles. Flood water can soak into the drywall, leading to potential mold growth. Claim Concepts assists in recovering the largest available settlement with minimal hassle, putting an accurate dollar value on the loss and fighting to recover it from the insurance company.
  • How does Claim Concepts level the playing field in flood damage insurance claims?

    • Claim Concepts levels the playing field in flood damage insurance claims by providing expert assistance to policyholders. Understanding that some policies are privately held, our team of state-licensed Public Insurance Adjusters is equipped to review all aspects of your policy and advise accordingly. We take on the crucial tasks of preparing building damage estimates, compiling inventory lists, and documenting other losses. Our dedicated approach ensures policyholders receive a fair and equitable settlement, regardless of whether their policy is through a private provider or a public program.
  • How does Claim Concepts assist in flood damage claims?

    • Getting started with Claim Concepts involves speaking to a professional public adjuster, strategizing the flood damage claim, and receiving personalized support throughout the claim process. Each claim is treated uniquely, and the team guides policyholders toward a fair settlement.

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Meet Our Leadership Team at Claim Concepts

Our Commitment

At Claim Concepts, Eric and Greg embody the epitome of professional excellence, seamlessly intertwined with a profound personal commitment and a fiery passion that sets them apart. Their unique journeys reflect our company’s commitment to defining, genuinely understanding, and advocating for our clients. With Claim Concepts, you’re hiring experts and gaining partners who will tirelessly ensure your rights and interests are protected and fairly served.

Greg Roover

Greg Roover - Owner and Public Adjuster at Claim Concepts: Leading the Way in Insurance Claims Assistance
Owner/Public Adjuster

Inspired by Personal Experience

Greg’s path to becoming a Public Adjuster was deeply personal. The Northridge Earthquake was a turning point, where his family’s experience with a public adjuster opened his eyes to the profound impact of this role. Greg embarked on a strategic career journey, motivated by a desire to help others as his family was helped. He honed his skills working for prominent insurance companies as an independent insurance adjuster and NFIP-certified flood adjuster. 

In 2008, Greg’s vision came to fruition with the founding of Claim Concepts. His insider knowledge, gained from years within the industry, and his passion for aiding others have been instrumental in the company’s success. Greg’s expertise is not just in his impressive resume but in the countless testimonials from those he has aided, reflecting his dedication to securing the rightful settlements for our clients.

Greg's Expertise Backed by Industry Accreditations

Morgan "Eric" Thomas

Morgan - Your Trusted Public Adjuster at Claim Concepts
Public Adjuster

From Adjuster to Advocate

Eric’s journey in the insurance world began in 1989, marking the start of a career defined by expertise and dedication. Fresh out of college, he jumped into the role of an independent adjuster, swiftly advancing to a general adjuster position at a major firm. There, Eric specialized in complex homeowners and commercial property insurance claims, showcasing his skill in navigating intricate scenarios. 

In 2001, his career took a pivotal turn towards the construction aspect of insurance. As the General Manager for a renowned Insurance Restoration Contractor, Eric oversaw everything from estimating to maintaining vital relationships with insurance companies. His profound understanding of insurance and construction led him to Claim Concepts, where he now thrives as a Public Adjuster. His unparalleled insight has been crucial in ensuring that our clients receive the settlements they genuinely deserve

Eric's Expertise Backed by Industry Accreditations

Begin Your Hassle-Free Damage Claim Journey Today with Our Expert Support


Our team of experienced insurance professionals has developed a proactive claim management strategy & process to help you receive the proper settlement that you need and deserve. We understand that proving your claim can be a daunting and time-consuming, and we are here to alleviate that burden for you. Our goal is to make this process as seamless and stress-free as possible for you while ensuring that you recover the full and proper settlement for your loss.

STEP 1 - Complimentary Consultation

We invite you to speak with one of our professional Public Insurance Adjusters about your situation. Our team will carefully review your policy, claim-related documents, and the extent of your damages. Based on our thorough evaluation, we will then offer our professional opinion on the best course of action for your specific circumstances.

STEP 2 - We Go To Work On Your Behalf

Our team of experienced public adjusters is dedicated to thoroughly documenting every aspect of your claim. We understand the importance of utilizing advanced technologies, such as 360 photography, thermal imaging, and moisture detection equipment, to fully capture all damages. This meticulous process ensures that we have a comprehensive record of all losses incurred. We will then prepare a detailed estimate, utilizing industry-standard estimating software, and assist you in creating an inventory of damaged personal property.

STEP 3 - Path Toward Settlement

Upon your approval, we will submit the estimate along with any supporting documentation to the insurance company on your behalf.  We will always protect your interests and ensure that you comply with all of your post-loss obligations provided within the policy.

STEP 4 - Settlement

We will keep you in the loop and present any offers made by the insurance company.  We will only accept settlement offers with your approval. 


Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.

NO. By state law we as Public Adjusters are not allowed to represent the insurance companies. We can only represent the insuring public.

The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.

Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.

NO! This is NOT required under any policy that I have seen to date and I do not recommend it.  In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.

No.   In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.

Not necessarily.  It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property.  However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property.  Ultimately, you buy insurance to protect you in the time of a loss.  If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.

Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. We do not charge anything to come out and evaluate your particular situation.