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Flood Insurance Claims

Understanding Flood Insurance Claims

Flood insurance claims are different than you daily water damage claims.  Flood insurance claims are filed under your flood insurance policy.  This is a separate policy than your home insurance policy.  Flood insurance policy’s are limited in what is covered.

Due to the recent storm Debbie, our public adjusters are properly documenting damages due to the flood waters that damaged many properties in Florida.  Contact us today for a free consultation as we are scheduling inspections.  877-PAY-ME-OK

Recognizing Water Damage

Unchecked water damage can escalate over time, leading to more significant issues. While some water damage may not be immediately obvious, others manifest clearly, especially depending on the materials affected. By being vigilant, homeowners and business owners can avoid large repair bills and prevent extensive damage.  Another issue to consider is how long after the loss did you notice it.  If you’re a snowbird or it’s a second home how long can you be gone before noticing the loss?  These are questions our public adjusters can sort out for you regarding your water loss.

Policyholders with water damage, immediate attention to visible signs is crucial.

  1. Physical Alterations: Look for discoloration or staining on walls. Bubbles in wallpaper or paint.  Water streaks on surfaces often suggest underlying moisture issues.
  2. Delay Can Be Detrimental: While some policyholders might await annual inspections, it’s crucial to act promptly when signs are apparent and make sure the claim is made timely. 
  3. Changes in Odor: A significant change in the smell of rooms or possessions is another indicator.  Water damage doesn’t always stem from pristine sources.  Especially in areas prone to flooding, the water affecting homes may not be clean, leading to distinct and often unpleasant odors.

It’s especially important to recognize that floodwaters can subtly or dramatically impact property and items, introducing odors or even potential health hazards. Proactive measures, like consulting with maintenance teams at the first sign of trouble, can be invaluable reducing the extent of water damage.  If you do find damage, it’s important to properly document damages prior to repair.

The Hidden Perils of Water Damage

While the devastation of fires is evident, water damage operates insidiously, progressively weakening structures and materials over time. One of the most treacherous forms of water damage arises from “surface water intrusion,” which refers to water from the earth’s surface infiltrating a property. This type of water damage can harm various components of a home, including floors, insulation, fabrics, foundational elements, and walls. Here are the primary risks associated with water damage:

  1. Structural Vulnerability: Prolonged exposure to water can compromise the structural integrity of materials like insulation and flooring, making them susceptible to decay and collapse. 
  2. Electrical Hazards: Water-damaged areas may expose or soak electrical wiring, risking corrosion or short circuits which could ignite a fire.
  3. Black Water Threat: Water contamination, termed as ‘black water damage’. Such water, laden with biohazards, can induce severe illnesses.
  4. Rapid Mold Growth: When certain materials are exposed to moisture, they become breeding grounds for mold. Mold can sprout as swiftly as within 24-48 hours in damp conditions, particularly in unnoticed areas like leaky roofs or due to surface water breaches.  
  5. Health Risks: Mold doesn’t just compromise structures; it’s a health hazard. Individuals sensitive to mold can experience symptoms like wheezing, nasal congestion, or skin irritation. Prolonged exposure might even exacerbate asthmatic conditions.

It’s imperative to act promptly when water intrusion is detected. Immediate interventions can safeguard properties, valuables, and more importantly, the well-being of inhabitants.

Navigating Flood Insurance Claims with a Public Adjuster

The initial shock of the unexpected disaster and the ensuing confusion about steps to take next can be overwhelming.  Many policyholders, although insured, aren’t familiar with the intricacies of the claims process. They either lack the knowledge to navigate the complex process or simply can’t afford the time-consuming disruptions involved in assembling the necessary documentation.

Benefits of hiring Prime Adjustments to public adjust your water damage claim:

  1. Claim Expertise: Our public adjusters are well-versed on flood insurance policies and the claim process, ensuring that all proceeds are accurately claimed.
  2. Time-saving: With our knowledge and experience, our public adjusters streamline the process, handling paperwork and negotiations, freeing up policyholders to focus on other matters.
  3. Favorable Settlements: Public adjusters work for the policyholder, not the insurance company. Our goal is to ensure clients receive a fair settlement amount your entitled to.
  4. Stress Reduction: Knowing a flood professional is managing the claim can alleviate much of the anxiety and stress associated with flood damage incidents.

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