Flood insurance is a general requirement with your homeowner’s policy. In this context, the term “flood” has a specific definition that is often confusing for some. A “flood” for insurance purposes is when water from an existing water source, like a lake or ocean, rises up and enters the property.
Property owners are quick to assume that any sign of water means they should file a flood damage claim. However, it is important to make sure the water is not being caused by a broken pipe or roof leak. In these instances, they would need to file a claim specific to that damage (broken pipe claim, roof leak claim, etc.)
Flooding is related to an area’s topography and surface water features, including its coastline. The state of Florida is divided into five Water Management Districts and their web sites provide flood information pertinent to the areas that they cover:
It is also common that flooding might occur when a major tropical storm or hurricane affects South Florida. The Florida Department of Environmental Protection outlines a full understanding of flooding.
A public adjuster will help you through this process of filing a flood damage insurance claim.
Once hired, Stellar Public Adjusting does the following:
When flood damage does happen, it is equally important that the full damage is recognized, reported and repaired.
I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them.
The insurance company is not on your side and they are not a good neighbor.
Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.
David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.
Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.
Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had - and they reached a fair settlement with my insurance for me. I probably wouldn't have gotten half of what I did without them! I'd easily recommend them to anyone needing a Public Adjuster.
HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!
Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.