Flood Damage Claims

Understanding Flood Policy Coverage & Claims

Flood damage caused by rising storm surge or surface water accumulation is specifically excluded from standard homeowner insurance policies and requires coverage under the National Flood Insurance Program (NFIP) or private flood policies.

NFIP claims follow strict strict proof-of-loss deadlines and specific calculation rules. Ricardo Ferrer ensures your flood proof-of-loss form is submitted accurately with comprehensive line-item pricing for wall cut-outs, cabinetry replacement, and foundation sanitization.