Flood Damage

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Flood Damage to Your Property

  • Flooding has caused over $850 billion in damage since 2000
  • Floods are responsible for ⅔ of the cost from all natural disasters combined
  • The U.S. has experienced an urban flooding event once every 2-3 days for the past 25 years.

What Happens During a Flood?

A flood occurs when water overflows a river, lake, or ocean and covers land that is normally dry. In addition to the initial rush of flood waters where structures may be damaged, vehicles, trees, and other items may be swept away, flood water that is sitting on or soaks a building may cause long term water damage, mold, and other severely detrimental effects. Floods damage crops and vegetation, roads, power lines, plumbing, and most structures (ceilings, flooring, roofing, and siding) in their path. What’s more, the flooded area itself may be uninhabitable for a significant period of time, forcing you to pause or severely limit business operations and you may not even be able to return to your own home.

Being Prepared for a Flood

If you live or own property on a flood plain, or an area that’s known to be prone to flooding, you should be as prepared as you can in advance of a flood. Create a disaster plan that includes methods of evacuation, collection of valuables, disconnecting electrical appliances, storage of potentially hazardous materials. In addition to having a disaster plan – what you would do immediately to ensure you and your family’s (and employees’) safety, making sure that your insurance policy covers flooding and what exactly is covered. Commercial insurance policies generally do not cover vehicular damage or the costs of interruption of doing business in case of a flood, but of course we suggest you speak with a public adjuster to see what exactly is covered under your specific policies. Also, document everything about your property and business assets with photos and videos. Having this documentation securely stored on a hard drive and in the cloud will save you – and your public adjuster – lots of trouble if you experience a flood.

Don't battle your insurance company without consulting a public adjuster.
You could be leaving a significant amount of compensative reward money on the table.