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Hurricane Matthew: Flood Damage vs Water Damage

Hurricane Matthew: Water Damage vs. Flood Damage

As Hurricane Matthew made his way up the coast, he brought heavy rain’s and storm surge to the Daytona Beach, Saint Augustine and Jacksonville areas of Florida. When powerful winds knock down a tree that tears a hole in your roof, and water pours into your home, you have suffered water damage. When heavy rains…

Recovering from a Flood: Post-Loss Checklist

Recovering from a Flood: Post-Loss Checklist

Flood damage is one of Florida’s top reported homeowner’s insurance claims, and is one that hit homes hard just last year in September 2015, when major flooding affected nearly all Delray Beach residents. When a tragedy like this occurs, it leaves many homeowners wondering what they should do in order to get their homes in…

Things to Know About Your Florida Home and Flood Insurance

If you are new to Florida, welcome! The good news is you moved to Florida where the weather is bright and sunny 95% of the time. The bad news is, we get hurricanes and lots of rain that can cause flooding. FEMA has designated the entire state of Florida as a flood zone. If you…

Your Florida Condo and Flood Insurance

FEMA has labeled most areas in the state of Florida a flood zone. If you live in a condo in Florida, even if you are nowhere near water, chances are you live in a flood zone. In fact, 97% of all Florida communities participate in the National Flood Insurance Program. [http://www.floridadisaster.org/Mitigation/SFMP/Index.htm] While you may not…

Flood Damage vs. Water Damage: Do you know the difference?

While all homeowners have homeowner’s insurance, many don’t understand their homeowner’s insurance coverage. Homeowners need to know there are two types of insurance that deal with water damage – flood insurance and homeowner’s insurance. Losses not covered by one may be covered by the other; double check with your public adjuster for clarification. When choosing…

Leaks and Sewer Line Insurance Claims in Lighthouse Point, FL

A plumber is the right professional to call in the event of a plumbing leak or sewer backup in Lighthouse Point, FL. However, you should never expect your plumber to handle your insurance claim for you. In fact, having a plumber work on anything other than the immediate repairs — the ones that are required…

Understanding Flood Insurance & Water Damage Insurance in Florida

When you’re considering the range of coverage you’ll need under your Florida homeowners’ insurance policy, water damage is likely near the top of your list. Many homeowners make the mistake of thinking that any form of water damage is covered under the typical policy, but that’s not the case at all. Where the damage comes…

THE FEMA FLOOD PROGRAM – A CULTURE OF ARROGANCE & LACK OF ACCOUNTABLITY

Flood Insurance Adjusters Enjoying Their “Government Authority” Too Much    Some of the FEMA flood adjusters working with Hurricane Sandy relief are experienced, but in times of crisis, when many hands are needed, you will find that most of them only took a short three-day course to learn how to handle claims. The certification program…

How to Make the Best of a Super Storm Sandy Insurance Claim

How to Make the Best of a Super Storm Sandy Insurance Claim

Mistakes to Avoid When Filing an Insurance Claim for Hurricane Sandy Any homeowner who was affected by Hurricane Sandy, will tell you that they wish they had video footage to prove what they had, and what it looked like, before the hurricane hit their home. It’s impossible to remember everything, and especially small details, when…