The Process of Filing a Florida Flood Claim

Hurricane Season has come and gone. While Floridians are still feeling the effects of Hurricane Ian, the concern over other weather events now comes into focus. We’re a few months out from the wet season which will bring significant rain to our region and could impact your home or business.

It’s important to prepare yourself for a flood claim ahead of time so you’re not left scrambling to sort through the process later on. The team at Alvarez Law Group wants to be a part of your preparation so you can have peace of mind ahead of any heavy rainfall.

Report the Claim

Your first step will be to report the claim properly and quickly. This must happen first because the timeline of Florida flood insurance claims is very specific. If you fail to hit the necessary deadlines, your claim will likely be quickly and totally denied.

It’s important to review your insurance policy ahead of an event and make a clear note about the deadline to file your claim. While there are other options, most flood insurance policy holders get their policy through the National Flood Insurance Program (NFIP). This is a federal program run by FEMA and this program requires you to report your claim and provide sworn proof of loss within 60 days of the event.

File a Sworn Proof of Loss

As mentioned above, this is another aspect of your claim that has a tight deadline. A sworn proof of loss will provide substantiated proof of the damages to your home, business, and property. Proof of loss plays a key role in the ongoing insurance claim and, if necessary, the appeal and/or litigation of your claim. Failure to file these documents can be costly.

You can find and download the proof of loss document from the National Flood Insurance Program online.

Investigation and Decision

After you have provided the necessary documentation, an investigation into your claim will begin. The insurance company will send an adjuster to review the damage to your property within a short period of time. From there, your insurance provider will review your case before rendering a decision.

When to Hire an Attorney

There are two scenarios where you should immediately retain an attorney: when you’re stuck or struggling with your claim and need help getting it right and when your claim is denied or underpaid. You can’t leave this up to chance because your financial future could hang in the balance.

At Alvarez Law Group, we have extensive experience handling Florida flood claims and can help you navigate the reporting process and fight for what you’re owed if your claim isn’t fully approved. Contact our firm and get your claim right.

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At Alvarez Law Group, we are proud of our reputation for being a trusted advocate during insurance claims litigation and real estate transactions.

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