Filing Claims On Your Florida Flood Insurance
If you suffer flood damage to your property after a Florida tropical storm, then you’ll want to file a claim for the damages. The amount of money you can receive will depend on the type of insurance policy you own. While flood damage is not covered by your homeowners or renters insurance policy, Florida flood insurance will cover damages caused by water. In this case, water includes waves, tidal action, overflowing creeks, rivers or lakes, as well as runoff from ground water.
Step 1: After a flood, you should first contact your Florida flood insurance agent, or a company representative to report your damaged property. When doing so, have your policy number ready, as well as a phone number (or email address) where you can be reached. Your agent or representative will advise you on how to file your notice of claim. Alternatively, you can send a written notice to your insurance company, but be sure to include your policy number and contact information.
Step 2: The next thing to do in filing your Florida flood insurance claim is to separate your damaged property from your undamaged property. An adjuster will need to come to assess the value of the damage. It is important that you do not throw anything away, or, if you must, take photographs of it, or keep a sample for the adjuster to appraise.
Step 3: You should make a list of your damaged contents. List a description, the quantities, the items’ values and their costs, and give an estimate in the amount of your loss. You can include bills, receipts, photos, and any other documentation to prove the values.
Will I get the money that I deserve?
Perhaps the hardest part of the claims process is getting the money you deserve. Insurance adjusters will often lowball an estimate to save their company money. If you feel that you are not receiving the full benefits of your Florida flood insurance policy, then you can get the expert help of a Florida hurricane attorney. A hurricane attorney can represent your best interests when filing a claim against your insurance company.
The hurricane attorneys at Falk & Falk Law Firm know how important it is to you and your family to get the settlement you need in order to move on with your lives. Our hurricane attorneys have experience in helping victims of natural disasters—and other homeowners’ nightmares—recover from their loss. An experienced attorney can help you to fight for the compensation that you need and navigate the tricky world of homeowners and hurricane insurance. Contact us today – 1-(305) 742-0878.