What's the Difference?
To file a claim with flood insurance, the claim must qualify as a flood. This means water has come from the outside in. The flood must also affect 3 or more properties in the same vicinity. This would qualify as a flood claim.
Water damage is damage sustained only to your home. It can be caused by wind, storm driven rain, or a broken pipe. These types of claims are handled by your home owner's insurance.
Be cautious! Filing a claim with the wrong policy can lead to a denied claim. It's silly, they won't tell you why. They might say, "we don't cover floods", with no further explanation. As public adjusters, we have the knowledge and experience to ensure your claim is filed and processed with the correct policy.
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