Flood and Homeowners’ Insurance Claims
Recently, we received mail from Federal Emergency Management Agency (FEMA), the Federal Insurance and Mitigation Administration addressed to the “Household Decision Maker.” The letter discussed the cost of facing a flood without insurance in attempt to convince the homeowner to obtain flood policy insurance. Homeowner’s and flood insurance are a necessity. The letter specifically addresses that only a few inches of water in your home can damage drywall, flooring, furniture, and electrical systems. The reason, our public adjusters are addressing this letter is that on many occasions, the insurance companies do not want to pay to replace the damaged drywall, flooring, furniture, and electrical systems (whether the cause is from a water rising flood or a burst plumbing line flood). Yet, even the federal government states that a flood can cause such devastating damage. Yes! A flood can cause severe damage to a home’s electrical system. Damage to the electrical system is not readily visible to the naked eye; yet can be extremely hazardous to further mishap in your home. You cannot see the electrical current but the electrical current can cause fire, damage to electrical appliances, stereo systems, injure residents or even death. The important reminder is to hire a public adjuster to ensure the insurance fully compensates you for your damage, so you are able to fully recover from your loss; especially loss or damage that homeowners are generally not aware of but experienced public adjusters are able to detect. Please view the attached letter from FEMA, as well as the attached sample receipts to repair damages which FEMA also included with the letter. Yes, repairs are costly, so why do insurance companies consistently under pay policy holders? Obviously, to save the insurance company money; not to truly help the distressed homeowner. Contact D’Orsa and Associates public adjusters to file your insurance claim and assist you in being fully compensated for your loss.