Flood Damage

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Flood Damage Public Insurance Adjusters

Helping South Florida Residents With Their Flood Damage Insurance Claim

South Florida residents are no strangers to flooding as the residential and commercial areas are near the ocean, lakes, bays, and other bodies of water.

Due to coastal flooding and vulnerability to major storms and hurricanes, a flood is always something homeowners and commercial property owners must be prepared for.

This is where Stellar Public Adjusting comes in.

Your South Florida Flood Damage Insurance Claim Adjusters

Stellar Public Adjusting serves Miami and surrounding areas, including Boca Raton and Palm Beach. We handle flood damage insurance claims in Miami Dade County, Broward County, Palm Beach County, and beyond.

Our top-notch public insurance adjusters are dedicated to making sure you receive the care you deserve after experiencing flood damage.

Our value propositions include:

Free claim analysis.
No fee if there is no recovery.
All claims processed in-house (we don’t do referrals!).
Seasoned, hand-picked experts in our office.

Stellar Adjusting has been helping the South Florida area with filing a flood damage insurance claim for years. We are an efficient and competent team, backed by a strong group of professionals:

Attorneys
Former insurance company adjusters
Consultants
Public adjusters
Real estate professionals

Let’s get your claim resolved now!

Get a FREE Property Inspection!

Simply fill out the form below to contact us!

Call Us Today For A FREE Claim Analysis

754.367.0766

Flood Damage DO’s and DONT’s

DO's

Avoid contact with floodwater if it all possible. Floodwaters may contain raw sewage or other hazardous substances.
Turn off the main power.
Let the building air out for at least 30 minutes before re-entering.
Photograph the damage for insurance claims.
Inspect foundations for cracks and other damage to make sure the building is not in danger of collapsing
Watch out for any animals such as snakes, that may have entered the building with the floodwaters.
Contact Stellar Public Adjusting.

DONT's

Return to the property until the authorities have instructed you to do so.
Consume any food that has come in contact with floodwater.
Touch fallen or low-hanging wires of any kind under any circumstances.
Use electricity or touch any electrical equipment.

Get in touch for a free claim analysis

What is Flood Damage Insurance?

Flood insurance is a general requirement with your homeowner’s policy. In this context, the term “flood” has a specific definition that is often confusing for some. A “flood” for insurance purposes is when water from an existing water source, like a lake or ocean, rises up and enters the property.

Property owners are quick to assume that any sign of water means they should file a flood damage claim. However, it is important to make sure the water is not being caused by a broken pipe or roof leak. In these instances, they would need to file a claim specific to that damage (broken pipe claim, roof leak claim, etc.)

What causes flooding?

Flooding is related to an area’s topography and surface water features, including its coastline. The state of Florida is divided into five Water Management Districts and their web sites provide flood information pertinent to the areas that they cover:

South Florida
Southwest Florida
St. Johns River
Northwest Florida
Suwannee River

It is also common that flooding might occur when a major tropical storm or hurricane affects South Florida. The Florida Department of Environmental Protection outlines a full understanding of flooding.

What Happens When You Hire a Flood Damage Public Adjuster?

A public adjuster will help you through this process of filing a flood damage insurance claim.

Once hired, Stellar Public Adjusting does the following:

We have a team that visits your property to evaluate the flood damage, taking down all the details surrounding your property — both currently and previously.
We investigate your home’s past to get a full picture of the damage history. A public adjuster can open up insurance claims from years ago to explore if a homeowner received a fair and equitable recovery for the flood damage.
Our team of skilled negotiators will meticulously go through all the evidence and document everything to make sure you get the most out of your settlement.
A demand sum is then presented to the insurer for the assessed cost of damages.
The cost is negotiated and a settlement is made.

When flood damage does happen, it is equally important that the full damage is recognized, reported and repaired.

INFORMATION NEEDED WHEN FILING A CLAIM

Try to have as much of the following information as possible available when calling us to file a claim.

To start the claims process, we will need the following information:

Policyholder information: Name of insured, address, phone number, e-mail, and policy number.
Description of loss: Time and date of loss, location of the incident, detailed description of damages.
Authority notification: Please note all authorities notified (fire dept., police, etc.).
Emergency service companies & damage mitigation: Please let us know if you have already contacted any emergency service companies or performed any sort of damage mitigation.

If you are not sure if you need a public adjuster, give us a call at 754-367-0766 or fill out our contact form below.

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