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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.

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