With a hyperactive Atlantic hurricane season now underway, up to 20 named storms this year could have an impact on many coastline communities.

Inland flooding from tropical rain is also a risk. Thus, making sure your property is adequately insured can create real peace of mind and make recovery easier.

Suppose your house was hit by a tropical storm or some other kind of intense weather event that caused severe flooding. You may think that the damage caused to your property by the flooding is covered in your homeowner’s insurance policy or windstorm policy. However, a homeowner’s insurance policy and windstorm insurance policy does not cover flood damage caused by a natural disaster. Damage caused by flooding and damage caused by water are two different types of damage events.  Due to this, flood insurance exists as a separate and distinct policy.

There’s a 30-day grace period when you purchase a flood insurance policy. “So, if you’re thinking about flood insurance right now, and you’re getting rain in your area, it might be too late,” said Sean Kevelighan, CEO of Insurance Information Institute. “However, it’s always good to call. Flood insurance is imperative.”

Flooding is the No. 1 most devastating natural catastrophe that Americans face. And when you have rain, you can have flooding. “So, you have to get that separate flood insurance policy either through the National Flood Insurance Program or call your insurance professional because there are many private flood insurance options today as well,” Kevelighan said.

And if someone has flooding occur, and they are insured, there is a personal responsibility to create protections in their home. “No one really wants to get their goods damaged. So, we encourage people, if you feel that your flood-prone, elevate your materials, make sure you put things in a safe place,” Kevelighan said.

Homeowners should also take inventory of what they have by simply walking around their homes with their smartphones and taking pictures of their items.  “Do everything you can to make sure that you make yourself more resilient to the damage because nobody really wants their goods to be damaged and to have to go through that process,” Kevelighan said.

 

Consumer Law Office (CLO) – Handling Property Insurance Water Damage Claims & Disputes from the Start of Damage to Settlement

If you are engaged in a dispute with your insurance company over a water or wind damage claim, you should immediately contact the Consumer Law Office (CLO) and have your property damage claim reviewed by one of our Florida Property Damage Claim Attorneys. Our attorneys are highly experienced & knowledgeable in adjusting and processing water & wind damage claims.

At CLO, we will aggressively advocate on your behalf to get you the relief to which you are entitled.

Contact us today for a free consultation. We have helped numerous home and business owners successfully recover the compensation they deserve. Best of all, there are no upfront fees, and we only get paid when you get paid by the insurance company.

Contact us today for a free consultation: 305-940-0924 or visit https://consumerlawoffice.com/