Floods happen to be the most common weather-related cause of property damage in the United States. The country suffered greatly in the last decade due to major flood and hurricane catastrophes. Flood damages can cost people to tens of thousands of rupees in repairing their homes. Homeowners, along with other property owners, have to take some of the most difficult decisions of their lives after they suffer from residential flood loss.
Some of the major issues while dealing with floods damage insurance claim are related to flooring materials, drywall, walls, plumbing, HVAC, electrical matters as well as the building of windows, siding among other things. Proper investigation and identification of other potential problems such as structural damage from wave or surge could escalate into something more complex compared to the visible cosmetic damage which an insurance company’s adjuster might consider.
Apart from the structural and material loss, home and property owners have to go through emotional trauma caused by flood damage to their personal belongings and furniture, food, clothes, and items with sentimental value attached to them. One of the biggest losses one can face while facing a flood damage claim is getting displaced.
It is a bit complicated to fully understand how the process of flood damage insurance claim works. A qualified and experienced flood damage public adjuster could be of great help to you.
What are your options in case of Flood Damage?
If you live in an area where flooding is quite common, you could hope to cover your damage with federal disaster assistance. Federal disaster relief usually covers infrastructural damage. Homeowners get 15% only, which is not sufficient to cover the damages you have suffered. If you are insured and have a flood insurance policy, then the payouts are good and might be enough to fix your home in severe cases.
In the absence of flood insurance, you are not available with many options. You could hope to get a small amount from federal disaster funds, use your savings to repair, or even take out a personal loan. But these solutions are not ideal. Every homeowner does not have a lot of money stashed away as savings, nor is every person capable of taking out a loan. Even if you do get assistance from the federal government, it could take months or longer to receive funding.
It takes about $12,000 to repair a house that has been damaged in a minor flood. The cost can be a lot higher after if the intensity of the flood was severe. Water damage can quickly turn into a toxic mold that is not only a health hazard but quite expensive to eliminate.
Reasons for Floods
Floods can be a natural occurrence or happen due to human negligence. They could arise from a variety of different factors.
Here are some of the main reasons why floods occur:
- Clogged drain pipes are a common reason for home flooding. A clogged pipe could flood your property. They could occur inside and even outside your home.
- Hurricane and tropical storms are natural disasters. They bring a lot of water with them that tends to create a lot of damage compared to a storm with high winds
- Building a new structure or fixing something old impacts the natural drainage system. This could lead to floods.
Filing an Insurance Claim for Flood Damage
Here are a few handy tips you could use to ensure smooth processing:
- Get in touch with your provider. Give them your name and the number of your policy along with a contact number or email address where they can reach you in case they require more information from you.
- It is important that you document the damage. Take pictures or capture video. Compile a list of all of your belongings that you lost in the damage. It includes the date you purchased them. Keep a record of receipts if possible.
- You have to provide the evidence of your damage. You have to submit the pictures that you captured along with the receipts to your insurance company which would then look at the damages and then make an estimate.
What Can ProFloridian Public Adjusters Flood Damage Public Adjusters Do To Help?
It is not uncommon for flood insurance companies along with their adjusters to say that the damages on your property occurred due to wind damage or storm surge and not by flood damages. Flood damage public adjusters at ProFloridian Public Adjusters could negotiate your claim via detailed information about flood damage while using expert methods and the word of weather experts who would support your flood claims. Many claims get underpaid or denied, but if you hire us, we can assure you that you will get a fair share of your amount. We would ascertain that you get the best possible settlement no matter if it is a consultation, mediation, litigation, or appraisal.
When flood damage occurs, you might be confused as to what to do next. You might have filed a claim with your insurance company regarding the flood damage, and it got denied. Whatever the reason, we can offer you our services and get you the best team of floods damage public adjusters.
Here, at ProFloridian Public Adjusters, we have an entire team of experienced and skilled public adjusters who will make sure that you get complete assistance throughout the entire process. We would also ascertain that all the issues and aspects regarding the property which got damaged because of the flood are properly addressed. We shall take the responsibility of fighting on your behalf. Apart from the documentation of your loss occurred; ProFloridian Public Adjusters may add a set of professionals to its team for better tackling of your floods damage insurance claim. This will include engineers, architects, accountants, building consultants, industrial hygienist, and appraisers so they can properly and accurately adjust and prepare your complex claim.
We prepare a detailed repair and restoration report that addresses a variety of issues that your insurance company’s adjuster might ignore or lack the required expertise to properly allow for payment of the claim.