Call Now: (866) 49-MYCLAIM | License No. 1574273 | All American Public Adjusters BBB Business Review

Texas Flood Damage Claim

Texas flood damage claims are subject to stringent

rules and a detailed filing process.


Flash floods can happen suddenly, transforming the landscape from years of drought to flooded drainage ditches, rivers, creeks, streams and lakes.   Water from overflows quickly becomes contaminated with sewage. Experts using a complex sanitation process administer the cleanup to a flooded business or home. Incorrectly administered cleanup using too much heat or drying items too quickly can cause additional damage to property.

Private insurance companies have traditionally not covered flood damage. To address this issue, The National Flood Insurance Program (NFIP) is a program created by the Congress of the United States in 1968 through the National Flood Insurance Act of 1968 (NFIP). Standard property insurance does not cover flood damage. A business or homeowner will need to purchase a separate policy from a private insurance company to be covered in the event of a flood. The NFIP ensures that the federal government reimburses the private insurance carrier for claim payments.

Underpaid on your flood claim? Adjuster taking too long?

(866) 49-MYCLAIM

Educate. Expedite. Maximize.

Our passion as a Texas public adjuster is to educate our clients about their rights as a policyholder, and teach them the insurance company’s bully-tactics of under-paying, denying, and delaying claims.

Definition of Flood (


  • A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is the policyholder’s property) from:
    • Overflow of inland or tidal waters; or
    • Unusual and rapid accumulation or runoff of surface waters from any source; or
    • Mudflow;or
  • 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.

AAPA has access to experts and clean up companies, helping you to a speedy resolution and quick recovery from flood.

Claim Process

The process for filing a flood claim is complex. Typically, an index of loss must be completed within a 60 days from the date of the event. A claim must be analyzed and documented to support the definition of a flood provided by FEMA and the NFIP. This entails the analysis of loss must be completed quickly, while you are preoccupied with assuming your normal business and life. We inspect the loss, examine your policy and consult through the entire process to maximize your payout.

Why Hire Us?

  • We administer the entire claims process, so you can focus on your business or home.
  • AAPA can provide expert analysis, documenting your loss in detail to the legal definition of a flood.
  • We represent your best interests, expediting and maximizing your claim return.


  • Keep a copy of your flood insurance policy handy in a watertight container.
  • Read your policy thoroughly and be aware of the details of your coverage.
  • Be aware of any timely filing policies, and hire an AAPA public adjuster with experience in flood damage.