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Public Adjusters for Homeowners Flood Damage

You may live in an area where flooding seems the least likely possibility. But then it invades your home. Now, with costly property damage, how can you file and negotiate a claim that will get you enough to restore your home?

Once you experience flood damage, you may be overwhelmed with a rush of outside opinions on how to best handle your insurance claim. Our public adjusters are there to allow you to take a step back and make an educated decision.

Are you prepared for the unexpected? Regardless of location or proximity to a floodplain, many homeowners can experience a flood loss. When it comes to flood insurance and flood risk, most people may not realize that it has to be purchased as a separate policy from their homeowners insurance.

What does flood insurance cover? It is different than regular property insurance policies and, because flooding results in damage to multiple homes, the volume of claims can lead to a complicated and stalled insurance claim process with your insurance company. By working with our public adjusters, though, there is no need to wade through any of that. We work with you as partners and advocates to assess, evaluate, and document your damage, and negotiate a maximum claim recovery that will get you the optimum amount you are owed.

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What To Focus On After Flood Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • How much do I really need to know?
  • How much of my time will this take?
  • How can I minimize the emotional toll on my family?
  • How can I minimize the effect on my work/career?
  • How large of an advance should I expect?
  • Is there anyone on my side?
  • How much time over the next several months will you need to put aside to handle your claim properly? How will all those hours affect your family? Your job?
  • What is the emotional investment that you will need to commit to the process?
  • Can you get paid for your time?
  • Are you entitled to an advance from the insurance company? What is reasonable?
  • What is your broker or agent’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
  • Are you familiar with the forms/practices below and what their request/issuance is telescoping? Request for a Proof of Loss. Reservation of Rights letter. Request for an Examination Under Oath.

Property Damage Losses Homeowners Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Public Adjusters Help You

  • Evaluate Icon Evaluate Evaluating your insurance policy to establish the best possible strategy for presenting your claim to the insurer.
  • Strategy Icon Strategy Valuing, documenting, and substantiating every detail.
  • Communication Icon Communication Keeping you informed every step of the way.
  • Negotiation Icon Negotiation Negotiating on your behalf with your insurance company.
  • Settlement Icon Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Homeowners Our Public Adjusters Have Helped

  • Client References & Testimonials

    Client References

    Testimonials

    We surely have had a pleasant relationship and we look forward to continuing it. We believe that, in general, your services have been of extremely high quality and we do appreciate those efforts on our behalf.
    Don't Worry,' he said, 'you do not need any professional adjuster working with you. I will handle everything at no cost to you.' Like a babe in the woods I went along with him and quickly learned that the only people tougher to collect from than an insurance company is a bankrupt restaurant. Insurance companies like to collect premiums but do not graciously pay the insured what is rightfully his. Their adjusters before being hired are evidently screened for their ability to be unfair and insensitive to the plight of the poor homeowner. I, a seasoned businessman, quickly learned that I was no match for all the roadblocks the insurer set up in order to reduce their exposure…Once you came on the scene the ball game changed and the playing field was leveled…as a matter of fact I felt that I now had the edge. The professionalism and expertise you brought to the scene enabled my wife and me to finally relax and to finally believe that the matter would be concluded fairly and that we would receive the settlement that was due us. And that's what happened.
  • Case Studies

    For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.

    A magnitude 6.8 earthquake, called Nisqually in seismic circles, rocked Seattle, Washington, in 2001 and severely damaged the Starbucks corporate headquarters building.

    Super Typhoon Paka, as the storm came to be called, was a 12-hour session of destruction for the island of Guam. Stirring up winds in excess of 200 miles per hour, the tropical cyclone tossed buildings, planes and ships across the island like discarded toys. Among these was the headquarters of Continental Micronesia, a subsidiary of Continental Airlines. The main offices, the marketing buildings and the planes were damaged by the powerful typhoon.

Contact Us

If you're suffering from a homeowner property claim, we can help!
Call us at 800.248.3888 or fill out the form below:
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