Flood Damage

A flood is specifically defined as when a property is inundated by overflow of inland and tidal waters, unusual or rapid accumulation of surface water from any source or mud-flow. 

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Your insurance policy contains an exclusion for damage from this peril.  If you live on a flood plain, you will need to have a flood insurance policy in addition to order to cover this peril.

It also means that things that are construed by a person to be a flood, such as a basement that is full of water as the result of an issue with plumbing, are not floods per the definition and are covered by your insurance policy.  In addition, the water damage has the potential to cause a mold infestation.  Depending on the nature of the damage, there may be exclusions and limitations in your insurance policy that will preclude or limit coverage with regard to water damage and mold.  If the insurance company determines that the damage falls into a category where coverage is precluded, they will deny the claim.  If coverage is limited, the proceeds from your insurance company may not be enough to repair the damage – especially if they do not take into account the quality of the materials damage and base their figure on the lowest quality materials possible.

Additionally, not only is the building damaged as the result of the damage done by a flood, or any kind of major water damage, the contents of the building are damaged as well.  Your insurance company will require documentation of the loss of personal property, and if you supply documentation that is not acceptable to them, they will not pay you for the damaged property.


As public adjusters with over 40 years of combined experience, we understand the provisions of both your flood policy and your property insurance policy and can prepare a claim under either policy to present to your insurance company.  Also, because we work for you and not your insurance company, we will be your advocate, identify the cause of the loss and make the case for you that your loss is covered by your insurance company. 

We also will work to get you the maximum possible settlement for your claim so that you have the resources to make the repairs needed, perform any remediation for mold damage and replace the contents that were damaged by the water.

Contact us for a free, no obligation evaluation of your policy and your claim so we can show you what we can do for you.  We can handle every aspect of your claim from its beginning to final resolution.  We can also step in at any point of the process – even if the claim has already been closed to help you get the maximum amount possible for your claim.



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About us


Steadfast Public Adjusters is headed by Justin Davis; who, along with his team, have over 40 years combined experience handling property claims on behalf of insureds like you.

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