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Water Damage and Flood Insurance Claim

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Water and Flood Damage Claims

Water damage or flood is one of the most common concerns for many homeowners in Florida. A flood is a natural disaster that can’t be prevented no matter what!!!

Hurricanes, tornadoes, and many other natural disasters are the leading causes of flood and water damage.

This has become one of the major issues for many states. Especially if you live in Florida, this can be a huge problem as this state is vulnerable to floods and hurricanes. So people must take flood insurance seriously because you never know when your valued property might run out of luck.

Flood Strikes: Homeowner Insurance Claim

Flood damages have increased dramatically in recent years. It has been estimated that around 1 out of every 50 homeowners are victims of a flood disaster and file their insurance company claims.

And we believe you must have started to process the questions; “What are the things that flood damage insurance claim covers?”, “Is it even worth it?”, “Do I need the help of a public adjuster for this?"

Types of Damage Matters

Now just before we jump into an insurance policy, we need to know about it first.

Most of the insurance companies cover the destruction caused by water, but not “gradual damage.” 

What it actually means is that if something happens to your home out of the blue, most of the insurance companies will take the liabilities of it. 

But if the damage is slow, like leaking from a pipe or something like that, there are higher chances the insurance company is not going to even consider paying you.


What More You Need To Know About Gradual Damage?

As you have already read about “gradual damage”, now you’ll know more about its ins and outs.

Gradual water damages are those damages that happen slowly to your property over time. Gradual damage is a widespread headache for many homeowners when it comes to insurance claims.

For instance, you have a painted wall, and with time the paint slowly chips off the wall, and there’s a time when the whole wall is uncovered. 

The reason why insurance companies don’t take gradual damage on their shoulders because, according to them, you could already have repaired gradual water damage on your own when it had already started.

Your home is piled with pipes and electrical wiring. It looks beautiful and elegant inside your walls, but inside those walls are layers of wires and pipes all over each other like layers, making your home run.

So it’s necessary for you to look after the maintenance of your house. That’s why most of the insurance companies don’t cover gradual damage.

But in cases like where you have a broken pipe already listed in your home insurance settlement, and it causes a flood at your home, the insurance company will give a portion of the claim as it was already enlisted on your insurance.

Therefore, if you don’t want these uninvited problems to knock on your doorways, always go for regular maintenance of your property.

What To Do If A Water Damage Claim Is Stuck?

There are chances when your water damage insurance claims might get stuck or denied. In these sorts of situations, always seek the advice of a public adjuster. Like AskAnAdjuster! 

Any catastrophic damage to your property or any sort of business loss can be filed and claimed with the help of public adjusters.

By means of negotiation and discussion, you can seek help from a public adjuster.

Public adjusters like AskAnAdjuster are those professionals who work on the side of policyholders. They help you estimate the cost of the damage and estimate the figure necessary to rebuild it. 

We keep track of the insurance payments and also the dues. Furthermore, they work with home insurance companies and speed up the claims of their clients.

The role of a public insurance adjuster is that they are experts in the fields of policies. They know the proper ways to bring a claim to appropriate action. 

Suppose you can provide him with the proper evidence of your damaged property, like photographs or short videos. And through a thorough examination by your adjuster, he will help you get your claim.

Having a Flood adjuster throughout the Flood Insurance Claims Process protects the policyholder from any pitfalls due to inexperience.

Frequently Asked Questions


Q. What flood insurance does not cover?

Ans: Damagers caused by moisture, mildew, or mold are not covered by flood insurance.

Call Ask An Adjuster Claims Adjusting today and let us handle your insurance claim.
(844) 277-4306
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Don't take our word for about how satisfied our customers are!

“Curtis Parry and the staff at Ask An Adjuster worked tirelessly to help us fight for what we were owed for damages from Hurricane Matthew. I will continue to recommend their services to all my friends, family and clients.”

  • Kellie Bowling


“After you performed a free roof inspection, you agreed to represent the association on a contingency basis, there would be no cost to the association if you were not successful and this was an easy decision for us. In less than 60 days, your expert team of engineers, negotiators and insurance experts, assisted us in our insurance company awarding us an additional $500,000 cash!"

  • Ann Campbell

    Waterside Village Condominium Association
    Sunrise, Florida

“Thank you for a job well done. We tried to handle the claim ourselves, but without Ask An Adjuster, we would not have been able to restore the value to our property.”

  • Wendy Philips

    Continental Group Incorporated
    on behalf of Sunpointe Springs Condominium
    Sunrise, Florida

Why choose Ask An Adjuster Claims Adjusting?

Our state of the art Thermal Imaging Inspection helps find hidden damage you didn’t know was there.

Regardless if you have submitted a claim or not, we can review your property or current claim.


We specialize in all types of property claims including storm, water, fire, lightning, tornado, sinkhole, appliance leaks, plumbing damage and more..


If we aren’t successful, our inspections, estimates, submissions, and communications cost you nothing.


Our adjusters work hard to restore our communities for its business owners and residents.

Our Ask An Adjuster team consists of professionals from all backgrounds, working together to assist you.


Not satisfied with your settlement? Want a second opinion?

Fill out the form to the right and one of our qualified professionals will get back with you to set up an appointment. Our inspection is free and you don't pay unless we are successful with a recovery!

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