Flood claims follow their own rules. Most flood policies are written through the National Flood Insurance Program (NFIP), with strict deadlines, specific coverage limits and a lot of paperwork. We help you get it right.
Rising water from outside is usually only covered by a separate flood policy, either NFIP or private flood.
NFIP policies require a signed proof of loss within a set time, usually 60 days after the loss unless FEMA extends it. Missing it can cost you the claim.
NFIP residential policies cap building coverage at $250,000 and contents at $100,000, so documenting every item matters.
After a hurricane, wind damage goes to your homeowners carrier and flood damage to your flood carrier. Disputes over which caused what are common.
Some areas of the home and some contents have limited coverage under the standard flood policy.
If local rules require you to elevate or rebuild to code, NFIP's ICC coverage may pay up to $30,000.
We inspect the property, write a line-by-line Xactimate estimate and handle the back-and-forth with your insurance company for homes, businesses and churches.
Usually not. Water rising from outside the home is excluded from most homeowners policies and is covered by a separate flood policy, if you have one.
It depends on what caused each part of the damage. Wind damage goes to the homeowners policy and flood damage to the flood policy. We document both so neither carrier can push the loss onto the other.
It is a signed, sworn statement of the amount you are claiming. NFIP requires it within a deadline, so it should be filed on time even while the claim is still being adjusted.
The NFIP has an appeal process with its own deadline. Contact us quickly with your denial letter so we can review your options.
Or email claims@oceanstates.net with photos and any letters from your insurance company.
