Many home and business owners do not realize that a typical property insurance policy will not cover damage caused by water that comes from the ground (known as floodwaters). The insurance companies make a distinction between water damage and flood damage. Water damage can be caused by a broken pipe or leaking roof. Flood damage is caused by water from an existing body of water - a lake or river, for instance - that rises and enters a property. It can also be the result of excessive rainfall. If you do not have a flood insurance policy to protect your property, your insurance company is not going to help you if your property becomes flooded.
There is some good news. All property flood policies are acquired through the National Flood Insurance Program, which sets the rates, so they are no different between insurance companies and agents. Flood insurance covers contents as well as the structure. We encourage our clients to always obtain a flood policy when their homes or businesses are located in a flood zone. The premium is relatively inexpensive and provides valuable coverage in the event of a flood at your home.
Capital Adjusting Services can help make sure that your property is covered in the event of flood damage. Allow one of our adjusters to review your policy ahead of time and Capital Adjusting Services will be at the ready if disaster strikes. A public adjuster from Capital Adjusting Services will be your advocate during a difficult time, inspecting your property to insure all damage is accounted for, preparing your claim and dealing directly with your insurance company on your behalf. We can also provide recommendations for water remediation to extract water and get the property dry as soon as possible. Call Capital Adjusting Services today to set your first appointment and feel secure knowing that a professional is ready to help should you need it.