Flood Damage – Residential Insurance Claims
Heavy rain, melting snow, storm surges, or hurricanes can cause flood damage to your home. Because flood is not an included peril in standard residential property insurance policies (unlike many other causes of property damage), separate property insurance must be obtained for potential flood losses through the National Flood Insurance Program (NFIP), or in some rare instances, through a private carrier.
Time is of the essence if your home is damaged by flood; The NFIP strictly enforces a 60-day time-frame for your Proof of Loss Form to be submitted. Additionally, that submission must comply with federal rules and regulations, with strict attention to detail. Having helped hundreds of clients and homeowners with flood insurance claims over many decades, the public adjusters at Goodman-Gable-Gould/Adjusters International are very experienced with the NFIP claim filing process. Our team will review your damages and your insurance coverage, develop a claim management strategy, and make sure that your claim is filed in a timely and appropriate manner.
Our public adjusters help you get what you’re entitled to by:
- evaluating your insurance policy to establish the best possible strategy for presenting your claim to the carrier;
- valuing, documenting and substantiating every detail;
- negotiating on your behalf with your insurance company;
- keeping you informed every step of the way; and
- ultimately settling the claim for the maximum amount and with less hassle for you.
Public adjusters work exclusively for you – the policyholder – never for the insurance company.
Had I accepted my insurance company´s ridiculous settlement offer, I would have been left with a patched-up home with mismatched cabinets, a chronic mildew odor, and thousands of dollars of concealed damage that would have eventually needed repair at my own expense.
With your diligent work, my home is again in excellent condition. You and your construction experts identified numerous areas of damage that the [insurance company] adjuster overlooked. You ensured that I received all of the benefits that I was entitled to under my insurance policy, including items that I never even thought of myself.
Our insurance claims experts have helped thousands of homeowners across all types of industries. We encourage you to look through our references and testimonials and to contact us for recommendation letters. An internal review showed that our clients felt we delivered what we promised and would work with us again—facts we are proud of. We welcome the opportunity to put you in touch with past clients so you can ask them yourself.
Listen to our podcast on “Flood Insurance – Understanding and Recovering from One of Nature’s Worst Disasters” for tips from our experts:
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