Flood & Water Damage Insurance Claims

The National Flood Insurance Program provides affordable flood insurance to property owners, renters, and businesses. Floods can occur from storms, rising water levels outside your home, overflowing or surging water from rivers, ponds, lakes, and oceans, or hurricanes. Most homeowner’s insurance policies cover water damage, but not flood damage. A separate insurance policy needs to be obtained to cover flood damage.

It is very important to determine whether the water damage to your home was caused by a flood, or other types of covered water peril. If the water damage to your home is not caused by a flood, typically a claim can be made under your homeowner’s insurance policy, and the loss should be covered. If it is determined the damage to your home was caused by a flood, then you would need to make a claim with your flood insurance policy.

It is a good idea to maintain homeowner’s insurance coverage, as well as flood insurance coverage for your home even if not in a flood zone. If you have a mortgage on your property the lender may require you to maintain both types of insurance coverage.

If your claim has been denied, give us a call today! We will go through your policy and we can determine if your claim should have been paid. Insurance companies have experts on their side with the goal of minimizing the amount paid for claims. You should have experienced attorneys on your side! Give Shupe Dhawan a call today!