The most common weather-related cause of property damage in the US
Major flood events have occurred over the last decade due to hurricane catastrophes and now recently Hurricane Harvey. Flood damage can cost homeowners tens of thousands in repairs. The aftermath of a residential flood loss can leave homeowners and other property owners with the burden of facing extremely difficult and complex decisions. Issues related to property damage of items such as: walls, drywall, flooring materials, electrical, plumbing, HVAC, building envelopes such as siding, windows, and other types of building materials become a major concern when dealing with flood damage claims. Properly identifying and investigation other potential issues such as: structural damage from surge or wave action can become more complex than the simple apparent cosmetic damage that an insurance company’s adjuster may just consider.
Property owners are also faced with the delicate and emotional toll that flood damage causes to personal property such as cloths, furniture, electronics, food spoilage and items of sentimental value can take on one whose house just got heavily flood damaged. Displacement of one’s home in many cases is the biggest loss to someone dealing with a flood damage claim. Navigating and understanding the process of a flood claim will be overwhelming. The assistance of an experienced and qualified public adjuster can prove to be essential to the policyholder.
Initial documentation - How high is my flood line?
The initial documentation of your flood damaged property is imperative in providing the evidence needed to create an initial presentation to your insurance company. Taking photos and videos with your smartphone or any other device will help solidify your claim and show important documentation of damaged property that may not be obtainable at a later time. Contacting an insurance claim professional such as a public adjuster is beneficial in the documentation of damaged property at the early stages of an insurance claim.
We find that homeowners and other policyholders at times fail to understand and identify the nature and extent of their flood damage. Our adjusters have the experience and trained eye that allows us to immediately understand the scope of repairs with clarity. Floridian International Adjusters will advise that the property be tested for water levels that may be present yet unseen to the naked eye. It is imperative that such issues be immediately addressed and identified at the early stages of presenting a flood damage insurance claim for a residential property.
Do you know your base flood elevation?
Base Flood Elevation is the elevation in which your home has a 1% chance of flooding in a given year. Finding out your BFE can be done so by reviewing flood maps, or by contacting the local building department, hiring a surveyor can also help in getting a flood elevation certificate. Homeowners that know their Base Flood Elevation can then determine whether the elevation of their home’s lowest floor is above or below the Base Flood Elevation in the maps.
An experienced public adjuster will properly address and identify underlying issues that yourself and insurance company may not understand. Many of these issues will be difficult to investigate and document once certain repairs are made to the property. However, other issues related to structure and non-cosmetic damages will remain until properly remedied. This is simply why it is encouraged to contact a public adjuster at the early stages of your claim.
If your home falls under “Post-Firm” guidelines, you may have limited coverage for certain items.
Pre-FIRM: A building for which construction or substantial improvement occurred on or before December 31, 1974, or before the effective date of the initial FIRM.
Post-FIRM: A building for which construction or substantial improvement occurred after December 31, 1974, or after the date of the initial FIRM, whichever is later.
Our public adjusters service the following areas
Floridian International Adjusters continues to expand into several regions of the US and abroad. Currently, our licensed adjusters can assist property owners with damage in the following locations:
|South Carolina||North Carolina|
Property loss consultants working for you!
Founded in a region known for it’s high risk of natural disasters such as tropical storms, hurricanes, floods, fires and other catastrophes. Floridian International Adjusters has become a known advocate for policyholders who have incurred the consequence of property damage to their homes and businesses. Our licensed public adjusters have represented and settled thousands of property insurance claims on behalf of property owners. FIA’s trained staff and adjusters come from many diverse backgrounds such as customer relations, architecture, emergency restoration, marketing, business administration and even from inside the insurance carrier side of the property insurance industry. The combination of these various disciplines gives the firm a competitive edge in excelling the practice of public insurance adjusting, property loss consulting and loss appraisal.
Floridian International Adjusters core principles center on the needs of our clients. Our careful representation and insurance claim management strategies provide your property loss claim with an opportunity to maximize the benefits of your insurance policy coverage in an efficient and pro-active manner. Understanding the nature of identifying damage and properly appraising the value of your claim is our specialty.