Claim Type

Flood and Water Damage

Floods cause more property damage in the United States than any other form of natural disaster.  Only specialized policies offer flood insurance as all Homeowners, Business Owners and other first party property insurance policies do not afford coverage for flood.  It is the National Flood Insurance Program (NFIP) which gives property owners, both personal and commercial, a chance to purchase flood insurance providing their community is willing to adopt flood control measures and to restrict, or prohibit, building in the most hazardous areas.

A flood is an overflow of an expanse of water that submerges land. The European Union(EU) Floods Directive defines a flood as a covering by water of land not normally covered by water. In the sense of "flowing water", the word may also be applied to the inflow of the Flooding may result from the volume of water within a body of water, such as a river or lake, which overflows or breaks levees, with the result that some of the water escapes its usual boundaries.

While the size of a lake or other body of water will vary with seasonal changes in precipitation and snow melt, it is not a significant flood unless such escapes of water endanger land areas used by man like a village, city or other inhabited area.

Floods can also occur in rivers, when flow exceeds the capacity of the river channel, particularly at bends or meanders. Floods often cause damage to homes and businesses if they are placed in natural flood plains of rivers. While flood damage can be virtually eliminated by moving away from rivers and other bodies of water, since time out of mind, people have lived and worked by the water to seek sustenance and capitalize on the gains of cheap and easy travel and commerce by being near water. That humans continue to inhabit areas threatened by flood damage is evidence that the perceived value of living near the water exceeds the cost of repeated periodic flooding.

As with any water damage type claim, a Public Adjuster can assist you in preparing a preliminary evaluation of your loss providing you with a roadmap as to the best way to proceed towards the resolution of your flood damage claim against your flood insurance provider.

Call PublicAdjusters.com for a consultation to explore all your options in dealing with your flood claim. 1-800-303-2591