We help you to a speedy resolution and quick recovery with our network of experts and clean-up companies.
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.
Let that soak in. Essentially the future of your structure depends on the critical stage of drying. We’ve seen rushed drying processes where additional days were necessary.
The adjuster should monitor humidity levels in the building and multiple visits may be required before measuring levels within guideline.
Do you have a flood insurance policy?
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.
Make us your first call, not your last.
Our expert public adjusters will review your policy, inspect your property and file your claim on your behalf. Don't wait until you're under stress to file a claim. Contact us today and we will take care of your flood insurance claim for you.
We Review Your Policy
We will first review your policy and determine the specifics of your coverage. We will ask you to provide us with relevant information to speed the process along.
Inspect Your Property
We will do a physical inspection of the property. During this process we will document the details of your loss, take photographs, and conduct a complete and thorough estimate.
File Your Insurance Claim
We will timely file your insurance claim to expedite and maximize your return. Our public adjusters will file the entire claim on your behalf.
The Claim Filing Process
The process for filing a flood claim is complex. Typically, an index of loss must be completed within 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 means the analysis of loss must be completed quickly, while you are preoccupied with assuming your normal business and life.
A public adjuster will inspect the property, examine your policy, document the loss and consult with the insurer on behalf of you to maximize your payout.
Our expert public insurance adjusters will file the claim for you.
We can properly file and document your entire flood insurance claim on your behalf, so you can focus on recovery.
The Definition of a 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
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.
We negotiating with adjusters and examiners on your behalf, allowing you to focus on running your business.
We maintain regular communications with you, keeping you informed throughout the entire claims process.
Submit to Insurance
We present a detailed claim file to your insurance company that includes all our estimations and analysis.
Expedite & Maximize
We fight as your advocate at all inspections and consultations with your insurer.
We are committed public adjusters and passionate about representing your best interests.
We strive to ensure that your case file is organized, coherent, accurate, and updated at all times. We do all of the hard work for you so you can proceed with your busy schedule.
Who is representing your best interests?
Hiring a public adjuster could directly influence the positive outcome of your claim.
Insurance companies hire a team of experts to evaluate, investigate, and either pay for the loss or deny your claim. This team of adjusters, examiners, and appraisers are hired by the insurance company. We believe you should do the same.