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Property 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 its natural boundaries such as a river, lake, or ocean and inundates areas that are usually dry. When flood waters rush in, they can cause immediate damage to structures, vehicles, trees, and other objects in their path. However, the damage doesn’t stop there. Flood water that lingers on or penetrates buildings can lead to long-term problems such as water damage, mold growth, and other harmful effects. Floods can also wreak havoc on crops and vegetation, roads, power lines, plumbing, and most structures including ceilings, flooring, roofing, and siding. The affected area may become uninhabitable for an extended period, interrupting or severely limiting business operations and forcing people to evacuate their homes.

Being Prepared for a Flood

Preparing in advance for a flood is crucial if you live in a flood-prone area. It’s important to have a disaster plan in place that outlines what you would do in case of a flood. This plan should include evacuation routes, a list of valuables to take with you, and steps to secure your property. Make sure you also disconnect electrical appliances and store potentially hazardous materials safely.

It’s also important to review your insurance policy to ensure it covers flooding and what specifically is covered. Commercial insurance policies may not cover vehicular damage or the costs of business interruption due to a flood, so it’s a good idea to speak with a public adjuster to understand what is covered under your policy.

Finally, document everything about your property and business assets with photos and videos. Store this documentation securely on a hard drive and in the cloud, as it will be invaluable to you and your public adjuster in case of 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.