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Flood Damage Insurance Claims Lawyer in Florida


Flooding can be defined as an overflow of water from a water source to dry land. Some areas are more prone to flooding than others, but floods have occurred in regions that haven’t had them before. According to the National Flood Insurance Program (NFIP), 90 percent of all-natural disasters in the United States involve flooding. However, flood damage is not covered on a typical Florida homeowners’ policy. That is why it is of the utmost importance that every homeowner purchases flood insurance in addition to a home insurance policy. Flooding is highly destructive, damaging all or part of a home. Plus, flooding can lead to other issues such as mold damage.

Protecting yourself from a flood means preparing your home or workplace, collecting sources of information, and developing an emergency communications plan. Knowing what to do when a flood is approaching your home or business is critical. Understanding the consequences of flooding in homes is good, but knowing the next steps to take after a flood is more important. We all know the stress and overwhelm that results from home displacement due to flooding. That is why every homeowner needs to take quick action to get compensated for flood damages and get their lives back. For those suffering a flood damage claim, the experienced lawyers at the Louis Law Group can help speed up the recovery process.

Why You Need An Insurance Lawyer​​

Since the costs of home repairs are often immense, every homeowner should hire a professional attorneys to file their flood insurance claims. The Louis Law Group legally helps Florida homeowners with flood damage insurance claims. Our expertly trained attorneys know how to deal with insurance companies. Which means, by partnering with us, your flood damage insurance claims have a better chance of being accepted.

According to the NFIP, here are the steps you should take after a flood loss, only if it is safe to do so:

  • Document your damage
  • Mold and debris cleanup
  • Prepare for inspection

Contact the Louis Law Group

The damage from a flood loss can be catastrophic. The Louis Law Group has professional insurance litigators that can help you with the entire flood damage insurance claims process. If you’re a policyholder or contractor and you find yourself in a dispute, contact the Louis Law Group today to help with your claim, call (954) 676-4179 for a free consultation.

We help clients with flood damage property claims throughout Florida

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Map of the State of Florida
"The Sunshine State"

If your property is located anywhere in the State of Florida and has sustained flood damage, the Louis Law Group can help you with an existing flood claim or with filing a new claim against your homeowner's insurance company. Call (954) 676-4179 for a free consultation.

Frequently Asked Questions (FAQs)

Can I file a Florida homeowner’s insurance claim for hurricane damage?

Standard home insurance policies will not cover damage caused by floods. However, many homeowner policies help cover wind damage. If wind damages your roof, you may be able to make a claim to get your roof repaired. Ask your agent to see whether your policy covers wind damage. Before disaster strikes, make sure your insurance also covers flood damage. If not, you’ll need to find additional coverage from a local authorized agent or through the National Flood Insurance Program.

What does my Florida property flood insurance policy cover?

A National Flood Insurance Program policy may help you pay for repairs to your home in case it suffers flood damage. The policy may also help you pay to replace the personal property within your home, whether it’s furniture, electronics, or clothing. If you’re unsure what your National Flood Insurance Policy policy covers, check with your agent.

After an adjuster visits my property, how long will it take before my Florida claim is processed?

How quickly you get an approval for your claim depends on your insurance coverage and agency.

When an adjuster comes to your home, they will follow some general steps.

  • They will complete an estimate of your flood damage.
  • A file examiner will review the estimate for all the proper coverages.
  • Usually, a proof-of-loss document will be sent to you to sign and return. This document is the money you are requesting for your insurance claim for flood damages.
  • Upon receipt of the signed proof-of-loss document, the insurer will process your claim. Your payment will arrive later, depending on the coverage.
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