FLOOD DAMAGE CLAIMS

Flooding is not the same coverage as water damage. It is a separate coverage completely. The peril of flood has traditionally been uninsurable in the private insurance market due in part to the extreme risk and exposure flooding can cause. In 1968 the federal government enacted a law that set up the National Flood Insurance Program (NFIP) to provide assistance to residents and commercial property owners who purchased a flood policy. Today, most all flood matters are run by the private insurance carriers. So keep in mind that your standard property insurance plan does not cover flood. You must buy a separate policy from a private insurer.

Naturally there will be numerous insurance claims filed following a major disaster or flood event. As our claims adjusters have witnessed many times before, it may take a very long time for the relief efforts to reach your specific area. One also needs to factor in the amount of claims that will be assigned to the carrier adjusters that will be hired to adjust thousands of flood claim losses. If you have incurred any kind of loss due to flooding, we are ready to advocate on your behalf as a trusted adviser and resource to ensure that you are able to move forward with the recovery process. American Public Adjusting represents you and protects your interests – NOT the interests of the insurance company. Discover the difference by hiring American Public Adjusting for your flood damage insurance claim!