What do I do if
Hurricane damage was denied as flood.
Hurricane and flood overlap; carriers often classify the entire loss as flood to invoke exclusion.
Hurricane damage was denied as flood.
Root cause
Why this happens
Hurricane and flood overlap; carriers often classify the entire loss as flood to invoke exclusion.
Know the law
Your rights as a Florida policyholder
The portion caused by wind-driven rain, wind damage, or impact is still covered under homeowners.
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Get a free claim review from a licensed Florida public adjuster.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Separate wind damage from flood damage in documentation
- 02
Step 2
Obtain expert causation report
- 03
Step 3
File with both NFIP/flood and homeowners
- 04
Step 4
Challenge the wind-versus-flood allocation
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Dealing with this exact problem? Free review.
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Similar scenarios
Related problems
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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See also
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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