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While flood insurance is issued through the National Flood Insurance Program, the first step to filing a flood loss claim is to contact your insurance carrier or agent. The insurer will assign your claim to an adjusting firm who will send an adjuster to inspect your property for damage.

The adjuster will go room by room and create a report estimating the amount…

Did you know that most homeowner's insurance policies don't cover flood damage? Flood insurance is issued through the National Flood Insurance Program. 

Regardless of your insurance status, every homeowner should employ the following best practices within 24 hours of the flood water receding.

Inspect

Before entering any structure,…

When the rain is pouring in is not usually the time you want to think about recent state legislation, but for millions of Texan's affected by Hurricane Harvey, it's exactly what they should be doing.

Effective this Friday, September 1, 2017, a new anti-property owner law will go into effect which severely limits the rights of property owners when demanding prompt…

Hurricane Harvey has intensified overnight into a Category 2 storm overnight threatening the Gulf Coast of Texas with storm surges, 120 mph sustained wind, and torrential rain. 

The National Weather Service has issued multiple flood, surge, hurricane and tropical storm warning all along the Texas coast.  Officials warn that Harvey could bring massive amounts of flooding to Texas Gulf Region. LMDN will continue to update as more information is known regarding this storm.