Filing a Flood Claim
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 of damage and generate a proof of loss form for your review. If you agree with the damage amount, the proof of loss form should be signed and sworn to. At that point, the claim is considered settled.
However, if you don't agree with the amount of loss, you should contact the adjuster' s supervisor to try and negotiate a dollar amount. Failure to reach an agreement at this level would necessitate a call to your insurer's claims department to try and seek a resolution. You can file a proof of loss with the damage you believe to be appropriate and fair but if it is denied, you either have to file a formal appeal with FEMA or file a lawsuit against your insurer.
Dealing with a flood loss can be difficult and complicated which is why Lee Murphy Demerath & Nicholson are here to help you from the beginning. Feel free to contact us with any questions are to assist with your flood claim.