Claim types
Flood Damage Claims
Flood is excluded from most homeowners policies and is covered instead by a separate NFIP or private flood policy, each with its own rules, proof-of-loss deadlines, and coverage limits. When a storm causes both wind and flood damage, the two carriers frequently point at each other. We help separate the losses so neither policy underpays.
Signs of damage
- Waterline marks on walls, cabinets, or furniture
- Mud and debris inside the home
- Damaged HVAC units, water heaters, or electrical panels
- Contaminated contents that must be discarded
How insurers underpay
- Attributing flood damage to wind (or vice versa) to shift payment
- Strict enforcement of proof-of-loss deadlines
- Undervaluing contents and building systems
What to do now
- Photograph the waterline before removing anything
- Keep samples of flooring, carpet, and drywall that are removed
- List every damaged item with approximate age and value
- Track the proof-of-loss deadline on your flood policy
Other claim types
Tell us about your claim
Free inspection. No recovery, no fee.
Send a few details and one of our licensed adjusters will personally get back to you. Prefer to talk now? Call (305) 614-2851.
Office address
16375 NE 18th Avenue, Suite #201
North Miami Beach, FL 33162
North Miami Beach, FL 33162