Stormy Skies hurricane damage water fire mold demolition general contractor roofer public adjuster tampa orlando sarasota florida

PREMIUM PAYMENT RELIEF

FLOOD DAMAGE CLAIM PROCESS

FLOOD DAMAGE INSURANCE CLAIM

Flood insurance typically needs to be purchased in addition to a homeowners Insurance policy. More importantly, the term flood has a specific definition that’s often confusing for most people. A flood is when water from an existing water source, like a lake, rises up and enters the property. Usually when property owners see water in the property they’ll say, “my house is flooding!” Actually, this is water damage and the water intrusion is likely from a broken pipe or roof leak. This would not be a flood claim, but rather a broken pipe or roof leak claim.

 
 
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Tropical Storm Stormy Skies hurricane damage water fire mold demolition general contractor roofer public adjuster tampa orlando sarasota florida

COMMON CAUSES OF FLOOD DAMAGE

  • Heavy rains

  • Thawing snow

  • Storm Surges

  • Flash flooding

  • Broken Levees

  • Overflowing Rivers

  • Broken Pipes

  • Faulty Appliances

 
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Home Entrance

FLOOD DAMAGE PROCESS

ROOF TARPING

Tarping a roof will temporarily stop leaks and protect your home from the elements.  When installed correctly, roof tarps can shield you home from bad weather for up to 90 days. 

DRY OUT AND DEMOLITION

Depending on the damages after the flood occurs, your mitigation company might dry out your home to prevent mold from occurring or will cut out all affected areas if there is nothing left to salvage.

ADJUSTER INSPECTION

An insurance adjuster works for the insurance company. You may want someone on your side holding the insurance adjuster responsible for their end of the deal.

FULL OR PARTIAL HOME REMODEL

Once your insurance company issues a settlement, which is the money they agree to give you to fix or replace your damaged property, our affiliated general contractor with then start restoring your home.

 
FLOOD DAMAGE STATS
  • All 50 states have experienced floods or flash floods in the past 5 years.

  • In 2018 the average flood claim was $42,580

  • Total flood insurance claims average more than $3.5 billion per year from 2005 – 2014

  • Even a few inches of flood water can cause thousands of dollars in damages.

  • Flood damage is not typically covered in homeowner’s insurance. you must purchase additional flood insurance.

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Ask an Expert Stormy Skies hurricane damage water fire mold demolition general contractor roofer public adjuster tampa orlando sarasota florida

HOW CAN WE HELP?

The initial contact with your insurance carrier is critical. This contact can be the difference between your claim being paid or getting denied.
Differentiating between belongings and property that can be repaired vs replaced can be overwhelming.
The many requirements and the extent of the damage all come into consideration at this point in your hurricane damage insurance claim. It’s hard to properly calculate what amount will effectively cover all the damages to your home. It may seem like the insurance carrier paid you enough. In reality it could require so much more to repair your home and bring it back to Pre-loss condition. Let us help represent you and help you navigate your hurricane damage insurance claim.

 
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