Insurance Claims for Flood Damage

If your organization or community suffers a flood to any of its facilities, the damage can be devastating. Your recovery can depend on how you assess and report the damage. Our team of experts helps you obtain the maximum claim recovery so you can get back on your feet sooner.
According to the National Weather Service, on average, flooding causes more than $3.5 billion per year in total flood insurance claims.

Floods can arrive instantly, pouring into homes and buildings with contaminants picked up along the way. Even if you are not in a floodplain, your facilities are vulnerable. The types of damage can vary, as well as their severity. As you deal with the chaotic aftermath, you will now also have to secure the funds for recovery. Will it come from insurance? Will it be enough? How will you know?

Our public adjusters have expertly managed claims for every type of disaster at the regional, state, and national levels. We are called upon by communities, non-profits, and government organizations for our unique ability to mobilize a top team of professionals who have the unmatched experience and comprehensive understanding of the laws, regulations, and policies involving disaster recovery. This enables us to consistently coordinate and obtain the maximum reimbursement for our clients so that they may recover sooner.

What To Focus On After Flood Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • Why should the county, city, town, or district optimize its claim?
  • Do we have a commitment to taxpayers to recover the most possible?
  • What if the insurance company engages a building consultant?
  • What is my agent/broker’s role?
  • Will my code upgrade coverage address all my code related issues? ADA, fire codes, etc.?
  • Is there coinsurance in my policy?
  • Do we need to issue an RFP in order to engage your services?
  • Who in our county, city, town, or district will be involved in making the decision to hire us?
  • Is your claim a result of an event that may be funded by FEMA? If so, it is your obligation to first maximize your insurance settlement to satisfy FEMA’s eligibility requirements.
  • Why can’t we do it ourselves?
  • What emergency facilities are necessary to continue operations?
  • Can temporary facilities still be used at the end of the claim and be considered permanent? If so, how?
  • How do existing plans for renovations or enhancements affect my claim?
  • What building codes and regulations must be considered in the reconstruction?
  • How do bond cycles affect the full replacement cost holdback provisions of a policy?

Property Damage Losses Government & Non-Profits Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps You

  • Evaluate Fully reviewing your insurance coverage.
  • Strategy Developing a claim management strategy.
  • Compliance Determining policy compliance issues.
  • Valuations Completing detailed valuations of building, equipment and inventory losses.
  • Interruption Formulating business interruption models.
  • Itemization Presenting and supporting an itemized claim package to your insurer.
  • Negotiation Negotiating on your behalf with your insurance company.
  • Communication Keeping you informed every step of the way.
  • Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Government & Non-Profits We Have Helped

We had initially thought we would be able to assess the damage and work with FEMA and our insurance carrier's adjusters by ourselves. It quickly became evident that we were going to need help. We realized we did not have the personnel, time or expertise it was going to take to deal with complex governmental regulations and equally complex insurance and adjusting issues, especially when it was taking all the resources we had just to get essential county services up and running again. ...AI really came to the rescue. You delivered what you promised, and that counts for everything down here in South East Texas.
Cary Erickson, SPHR
Director of Human Resources and Risk Management - Jefferson County, Texas
Testimonial
  • Aldine Independent School District - Houston, TX
  • Chi Psi Fraternity - Boulder, CO
  • City of Groves - Groves, TX
  • City of Nederland - Nederland, TX
  • First Baptist Church of Orange - Orange, TX
  • Houston Independent School District - Houston, TX
  • Jefferson County Courthouse - Beaumont, TX
  • Port Arthur International Public Port - Port Arthur, TX
Your expertise in catastrophic recovery certainly eliminated the need for those at Aldine ISD to spend precious time on dealing with the storm recovery and allowed us to continue using our work time for the benefit of the students in Aldine. the fact that the educational process could continue while the recovery process progressed was a relief for everyone involved... Thank you again for all your assistance and the children of Aldine thank you as well.
Keith Clark
Assistant Superintendent of Finance - Aldine Independent School District, Houston, TX
Testimonial

Related Resources

  • Publication

    Responding to the Worst Hurricanes, Storms & Floods

    “Responding to the Worst Hurricanes, Storms & Floods” focuses specifically on our response to many of the worst natural disasters of the past quarter-century, including: the City of New Orleans after Hurricane Katrina; the Florida Keys following hurricanes Dennis, Katrina, Rita and Wilma; and the Texas Medical Center following the rains of Tropical Storm Allison.
  • Video
    02.02.2017

    How FEMA and an Insurance Policy Work Together

    John Marini, President and CEO at Adjusters International discusses how FEMA and an insurance policy work together
  • Publication
    Issue # 4009

    Floodplain Management

    With the most common natural disaster in the United States being floods, this issue of Disaster Recovery Today discusses floodplain management and its impact on FEMA reimbursements.
  • Publication
    Issue # 3033

    Flood

    Each year floodwaters will rise and numerous properties will be destroyed. Flooding can occur just about anywhere, and other than fire, it is the most common widespread disaster.
  • Podcast
    11.30.2015

    Flood Insurance

    Assisting policyholders in understanding which types of damages will be covered by normal flood insurance, NFIP and FEMA

Contact Us

If you're suffering from a government & non-profit property claim, we can help!
Call us at 800.578.1851 or fill out the form below:
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Meet Your Public Adjuster
Jim Beneke
Jim Beneke, SPPA
President
Jim is a third-generation public adjuster, he has a reputation for honesty and integrity in negotiating a fair and proper insurance settlement for his clients.
Contact him today!