When water from outside enters your property and causes damage, it may be considered flood damage. Floods can happen due to various reasons, such as storms, levee breaches, or heavy rain leading to flooded streets. However, it can be difficult to determine whether the damage resulted from rising water or driving rain, and insurance companies may try to shift responsibility. It’s crucial to review your policy and consult with your insurer to determine coverage and file your claim properly.
Dealing with a dispute between your flood policy and homeowner insurance can be overwhelming. It’s worth noting that homeowner insurance doesn’t cover actual floods, while flood policies don’t cover burst pipes causing internal damage. This can lead to confusion over who is responsible for the damage, and result in a lengthy claims process.
To avoid this, it’s crucial to present your claim properly. Hiring your own adjuster can help argue the cause of the damage, prepare your claim accurately, and present it to the right insurance company. This ensures that you get the highest possible settlement.
Let us fight for you. Contact us online or call us at 877-351-1933 for assistance.