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Guardian Adjusting Blog
Tips and information on all types of property damage claims.


Flood Insurance

Rick Tapanes - Wednesday, September 30, 2015

Do Not Overlook Flood Damage Coverage

In insurance terms, a flood is caused by water from a rising body of water entering a property. Not considered flooding are things like water from a broken pipe or rain coming through a leaky roof. The distinction is important because it means that your property insurance policy will not cover you from losses from a flood. Flood damage coverage requires its own separate policy. In South Florida it is advisable to have flood insurance coverage whether or not your property is in a designated flood zone.


The National Flood Insurance Program (NFIP) was put in place in 1968 to allow property owners to obtain insurance protection for flood damage to their property. Managed by the Federal Emergency Management Agency (FEMA), NFIP also encourages communities to adopt and enforce flood management regulations, especially to reduce flood risks in new development and construction. This program was started because property owners in some areas where literally unable to purchase flood insurance from a commercial insurance company and to reduce the costs of Federal disaster relief. Today NFIP is the only option for flood insurance for property owners.

Public Adjusters and Flooding

Even though The National Flood Insurance Program is managed by the government, it doesn’t mean you should overlook hiring a public adjuster if you have experienced property flooding. You still want an advocate to help you get the settlement you deserve and to help you get your property dried out and once again usable. A public adjuster will perform a thorough inspection of your property to insure that all of the damage is identified and included in your claim. Your public adjuster can arrange for a dry out company to get the water out of your property.

A public adjuster will work with you every step of the way, documenting damage, preparing the insurance claim, repairing your property and securing your settlement. Guardian Adjusting Services has the best public adjusters in Florida. They have over 100 years of combined experience and will work tirelessly to get you the highest settlement possible and get your property repaired. Call us today to set up a consultation and be ready in the event of flood damage in the future.

Public Adjuster Responsibilities

Rick Tapanes - Wednesday, September 23, 2015

Duties breakdown of a Guardian Public Adjuster

The Guardian public adjuster's main responsibilities are to:

  • Evaluate existing insurance policies in order to determine what coverage may be applicable to a claim
  • Research, detail, and substantiate damage to buildings and contents and any additional expenses
  • Evaluate business interruption losses and extra expense claims for businesses
  • Determine values for settling covered damages
  • Prepare, document and support the claim on behalf of the insured
  • Negotiate a settlement with the insurance company on behalf of an insured
  • Re-open a claim and negotiate for more money if a discrepancy is found after the claim has been settled

Typically a policyholder hires a Guardian public adjuster to document and expedite their claims, obtain a more satisfactory claim recovery, more quickly, and completely restore their residence or business operations, and insulate themselves from the stress of engaging in an adversarial role with a large corporation. However, the cost of hiring outside experts, no matter how well-earned, can be an added burden when they are borne entirely by the policyholder. The added burden can be alleviated by the work of a Guardian public adjuster. However, policy holders who are not properly indemnified by their insurance carriers may be left with little choice but to hire professional assistance to recover the claim payment to which they are entitled.

Guardian public adjusters are able to recognize claims that may be insubstantial and disputable and explain such problems to the client. The everyday meanings of terms like "collapse", "partial collapse" and "extent of physical damage" might be entirely different from their legal interpretations, requiring the adjuster to clarify such terms for the client.Regulations regarding the uses of these terms are constantly in a state of flux so it is important for Guardian public adjusters to have a firm grasp of the law including the division of legal responsibilities between insurance companies and policyholders.

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