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.
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.
Flood–
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.
