Flood Damage Public Insurance Adjusters
Helping Central Florida Residents With Their Flood Damage Insurance Claims
Central 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 Drew With Stellar Public Adjusting comes in.
Your Central Florida Flood Damage Insurance Claim Adjusters
Drew With Stellar Public Adjusting serves Central Florida and the surrounding communities including Orange, Seminole, Osceola, and Lake Counties. We handle flood damage insurance claims in this area.
Our top-notch public insurance adjusters are dedicated to ensuring you receive the care you deserve after experiencing flood damage.
Our value propositions include the following:
- Free claim analysis.
- No fee if there is no recovery.
- All claims are processed in-house (we don’t do referrals).
- Seasoned, hand-picked experts in our office.
Drew With Stellar Public Adjusting has been helping the Central Florida area with filing flood damage insurance claims 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!
Flood Damage DO’s and DONT’s
Do’s
- Avoid contact with floodwater if 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 Drew With Stellar Adjusting.
Don’t’s
- Return to the property until the authorities have instructed you to do so.
- Consume any food that has come in contact with floodwater.
- Use electricity or touch any electrical equipment.
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 is when water from an existing water source, like a lake or ocean, rises and enters the property.
Property owners quickly assume that any sign of water means they should file a flood damage claim. However, it is essential 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 websites provide flood information pertinent to the areas that they cover:
- Central Florida
- St. Johns River
- Northwest Florida
- Suwannee River
It is also expected that flooding might occur when a major tropical storm or hurricane affects Central Florida. The Florida Department of Environmental Protection outlines a complete 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, Drew With 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 complete 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 essential that the total damage is recognized, reported, and repaired.
INFORMATION NEEDED WHEN FILING A CLAIM
Try to have as much of the following information available when calling us to file a claim.
To get you started on the flood damage insurance claim process, Stellar asks for 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, and a 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 damage mitigation.
Need help filing a new flood damage claim or handling an existing one? Our team is here to help. Drew With Stellar Public Adjusting offers a free claim analysis for new claims, ongoing claims, and even claims that were previously denied or underpaid within the last five years.
Stay dry! Contact Drew With Stellar Adjusting today at 407-801-9104 or fill out the contact form.
Drew With Stellar Public Adjusting is dedicated to helping Floridians recover the maximum settlement for their storm and hurricane insurance claims. No recovery, no fee. It’s our guarantee.
Get the professionals to help, call 407-801-9104 today!
Phone: 407-801-9104
Email: drew@stellaradjusting.com
Serving Orange, Seminole, Osceola and Lake counties
Business Hours
- Mon - Fri
- -
- Sat - Sun
- Closed
License # P013318
Prior to the new law change that took effect on December 16, 2022, policyholders had specific deadlines to report claims to their insurance company. For new or reopened claims, policyholders had up to two years after the date of the loss to report it to their insurer. For supplemental claims, policyholders had up to three years after the date of the loss to file a claim.
However, as of December 16, 2022, SB 2-A changed the claim filing deadlines for policyholders. The new law reduces the time limits for policyholders to report a claim. For new or reopened claims, policyholders now have only one year after the date of the loss to report it to their insurer. For supplemental claims, policyholders now have 18 months after the date of the loss to file a claim. These changes mean that policyholders have less time to report their claims, so it's important to act quickly if you experience a loss covered by your insurance policy.
