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Are You In The Path of El Nino? Here’s Why Your Water Damage Claim Might Be Denied

el nino water damage claimIf you’re a regular reader of the Interstate Adjusters blog, you probably saw our most recent post, which was published on October 30. It discussed the so-called “Super El Niño” that many respected meteorologists are predicting will cause major property damage this winter, especially along the coastal areas of Florida.

If you’re a homeowner, this is news you’re probably paying very close attention to. And if you’re not, well … you definitely should be. Why? If your home or any of your valuable personal property ends up taking a hit as a result of this season’s coming El Nino storm, you’ll want to make sure you have all your ducks in a row, so to speak, where your water damage and flood damage insurance policies are concerned.

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Is Florida About to Get Crushed by Hurricanes?

florida panhandle

Have you ever heard of the Atlantic hurricane season? That’s the time of year when the largest number of tropical storms tend to develop in the Northern Atlantic Ocean.

Cyclones, hurricanes, tropical depressions: If you live in Florida, where the storms reach peak intensity each year in the late summer or early fall, it really doesn’t matter what you call them. During each and every season in Florida, they tend to lead to extreme property damage.

Usually that damage comes as the result of heavy winds that send trees crashing through bedroom windows, or from torrential downpours, which can easily lead to flooded basements and ruined personal property.

The 2015 Atlantic Hurricane Season Has Already Started

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Make Sure Your Flood Insurance Can Hold Water

Is Your Flooded Basement Covered By Homeowners Insurance?

flood insuranceYou wake up one morning and discover that your basement has flooded overnight. As you stand at the bottom of the basement steps, you watch in horror as an old basketball floats past. A box of old CDs from college is under three feet of dirty water. Everything smells like a swamp.

Two questions immediately come to mind:

  1. How am I going to deal with this?
  2. Does my insurance cover it?

Unfortunately, answering the second question might be tougher than dealing with the first.

Flood damage in PA is unfortunately all too common. Just ask anyone who was living along the Delaware River between 2004 and 2006, or pretty much anyone who sustained water damage in NJ after living through Superstorm Sandy.

Sure, you may have homeowners insurance. But chances are that your home’s flood damage may not be covered.

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What to Do After a Fire, Flood, or Other Natural Disaster

what to do after a fireThere are very few experiences in life more traumatic than standing by helplessly as your home is destroyed by flood damage, fire damage, or some other form of unavoidable catastrophe.

And yet no matter how stressful and frightening it may be to live through a natural disaster, the fact remains that if you’re a homeowner or business owner, you now have the added stress of needing to submit an incredibly detailed claim to your insurance provider.

Indeed, if you have any hope of being reimbursed for the damage caused to your property and its contents, preparing an accurate insurance claim should be one of your very top priorities following a disaster.

There a number of other steps you’ll need to cross off your post-disaster to-do list at the same time, however. Many people who find themselves in such a situation discover early in the process that hiring a public adjuster can be a huge time- and energy-saver. It can also lead to substantial financial savings (more about that later).

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