Miami Flood Damage Insurance: How To Proceed After Your Home Loss

Florida town ravaged by flooding

Endured a flood? Now wondering what your flood damage insurance covers?

We understand! Let’s dig into your situation.

Your regular homeowner’s insurance isn’t going to cover damage caused by floods. This means you needed to have taken out separate flood coverage.

Let’s take a look into more details about flood damage insurance.

What’s Covered By Flood Damage Insurance?

When you have a building insured against flood damage, the insurance covers the entire building and the foundation it sits on.

If you have a detached garage or other detached buildings you may need to have separate flood insurance policies for each outbuilding.

Your basement or crawl space may have limited coverage, as well as other enclosed spaces in elevated buildings.

All electrical and plumbing systems are covered, as well as central air conditioning systems, furnaces, and water heaters.

Most of your appliances, such as your fridge and stove, as well as built-ins are covered. Wall and floor treatments such as paneling, wallboard, cabinets, bookcases, and installed carpets (installed over unfinished floors) are also included in this type of insurance coverage.

If there is any damage to window blinds your coverage will pay to repair or replace the blinds. In the event that you need to have debris removed from your property the flood damage insurance will pay for it.

Personal Items Are Covered

Many of your personal items will also be replaced if they’re damaged during a flood.

These include furniture, computers, stereos, televisions, and clothing. Other personal items you can claim include portable and window air conditioning units, rugs and other carpets that aren’t covered by the actual building coverage, and other appliances such as washers and dryers and freezers.

If you have other items of value they may be covered, but you may also want to consider a separate policy depending on their value.

What About NFIP?

NFIP stands for the National Flood Insurance Program, which was started in 1968 and modified in 1994.

It provides coverage for flood losses. It tops out at $250,000 for the structure and $100,000 for personal possessions, however. If your loss is higher than that amount then you need to have additional coverage in place through a private insurer.

NFIP doesn’t cover living expenses if you have to move out of your home temporarily. It doesn’t cover basement damage except for heating and air conditioning systems.

Seems To Be a Lot To Know!

Yes! You are correct about that…when it comes to determining the scope of loss after a flood and exactly how your flood damage insurance will cover you there are many moving parts.

Here at 1st Response Public Adjusters our focus is helping you understand everything in your policy and your home’s damage estimate.

Most importantly, our focus is working on your behalf from a legal standpoint so you receive the fairest amount of compensation from your insurance provider.

Remember who your insurer’s adjuster works for…the insurance company! This means their job is to mitigate your settlement as much as possible.

On the other hand, as Miami public adjusters our job is to fight for your ability to maximize your claim legally, responsibly and in a fair manner.

Call us or fill out the form below. We’ll set up a free consultation so we can meet and answer your questions…

Off: 855-777-CLAIMS (2524)
Fax: 786-717-6487

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Public Adjuster > Home Insurance Policy > Flood Damage Insurance