Flood Damage Claims
(Flooding is not covered by homeowners insurance — requires NFIP/private flood policy.)
Flooding is one of the most destructive events a property can suffer—and one of the most confusing for policyholders. Standard homeowners insurance does NOT cover flood damage. Flood claims must be handled under a separate NFIP (FEMA) Flood Policy or private flood insurance plan.
At Aviva Insurance Adjusters, Inc., we specialize in flood loss documentation, NFIP compliance, and negotiating maximum payout under the strict guidelines that flood insurers use.
We will guide you through the flood claim process and ensure nothing is missed.
Have You Experienced Flooding in Your Home or Business?
Flooding—defined as water touching the ground before entering your home—can result from:
- Heavy rainfall
- Storm surge
- River or canal overflow
- Street flooding
- Drainage system failure
- Flash flooding
- Hurricane tidal surge
Floodwater damages:
- Flooring
- Walls
- Baseboards
- Insulation
- Electrical systems
- Appliances and mechanicals
- Structural components
- Drywall and cabinetry
Floodwater is often contaminated with bacteria, sewage, fuel, and chemicals, requiring specialized remediation.
Why Flood Damage Is So Severe
Floodwater penetrates the lowest portion of the home first and rises. This means:
- The entire first-floor structure may be compromised
- Electrical outlets and wiring become unsafe
- Cabinets and furniture absorb contaminated water
- Studs and framing must be treated or replaced
- Insulation must be removed
- Mold risk skyrockets
We handle flood claims involving:
- Complete first-floor rebuilds
- Flooring and subfloor replacement
- Structural drying
- Drywall removal up to the waterline + 2 feet
- Electrical system replacement
- HVAC contamination
- Mold remediation
- Structural reinforcement
Collateral Flood Damage — What Does It Mean?
“Collateral” flood damages include all repairs required to safely remediate contaminated floodwater destruction.
Examples of Collateral Flood Damage
Example 1: Electrical Replacement
Flooded outlets and wiring require complete circuit replacement—even if they appear visually intact.
Example 2: Subfloor Damage
Flooring absorbs floodwater quickly, requiring:
- Removal of all flooring materials
- Removal of underlayment
- Drying or replacement of subfloor
Example 3: Structural Contamination
Floodwater often contains:
- Sewage
- Fuel
- Debris
- Bacteria
This requires demolition of all porous materials it touches.
Why You Shouldn’t Rely Only on the Insurance Company’s Adjuster
NFIP adjusters follow strict guidelines designed to minimize payouts.
- All covered components are included
- Sewage contamination is fully accounted for
- Structural damage is not minimized
- Proper debris removal is included
- Full replacement of affected materials is documented
- Moisture levels are monitored to prevent mold
Flood claims are technical, rule-driven, and often overwhelming.
We manage the entire process.
Get a FREE Fallen Tree Damage Inspection & Consultation
We provide:
- Flood-level measurement and documentation
- Structural damage assessment
- Moisture mapping
- Policy analysis
- Full claim preparation
- NFIP-compliant reporting
Call us now — 877-351-1933
We’re ready to discuss your claim immediately.
Claim Your Insurance
Floodwater is dangerous. Flood claims are time-sensitive. Let us handle the process from start to finish.
Signs of Hidden Electrical Surge Damage
- Musty odors
- Soft or sagging floors
- Visible staining
- Condensation on walls
- Electrical issues
- Baseboard swelling
- Loose tiles or flooring
- Mold growth
Frequently Asked Questions About
Flood Damage Claims
Does homeowners insurance cover floods?
No—flooding requires a separate flood policy.
Does NFIP pay for mold?
Only if it could not be prevented.
Will FEMA pay for elevated electrical systems?
Yes—updating for safety is often included.
Does flood insurance pay for living expenses?
Standard NFIP does not cover ALE (Additional Living Expenses).
But private policies may.
Can flood claims be reopened?
Yes—called a Supplement, and often necessary.