Posted by jim buford on September 02, 2018 at 19:40:00 from (74.115.142.169):
In Reply to: Flood question posted by MTC on September 02, 2018 at 18:29:11:
I have had some dealing with FEMA in my course of adjusting residential farm and commercial insurance losses over 40 plus years. FEMA can be of some help but give them all the facts. Unlikely your property insurance company will be able to do anything since flood is an excluded peril or a policy exclusion in itself. Be sure your insurance adjuster quotes policy language to you in the event of a denial so no provision that may apply will be missed. Your property insurance will cover wind related and other physical damage with some exclusions that may have occurred conincidentally with the flood. There may be some damage that is in the gray area as to whether caused by flood or wind and usually the insurance company will give you the benefit of the doubt if such exists. FEMA will probably want to know what if anything your property carrier paid. I am sure you have learned, unfortunately, the hard way that while you are not required to carry flood insurance if you live in a flood plain it is good to have and usually not cost prohibitive. Of course each state is different as to the exact wording of various policies and there are many different policies as no one size fits all. I am not sure if your state allows for public adjusters but you may want to check that out. Don't sign a contract until you are sure they can help you recover over and beyond what your company is willing to pay upfront. Otherwise they will want a percentage of all you collect even that not in dispute. Same with an attorney. Be sure all communication is preserved in writing and insist everything is reduced to writing and if phone calls be sure a confirmation letter or memo is presented to you. Be totally transparent with the company and FEMA.
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