Floods – A serious enemy, stay prepared

Posted on May 18th, 2012

According to the American Red Cross floods are one of the most common natural disasters in the United States. When too much water collects in a concentrated area flooding occurs. Rain from a Hurricane or Tropical Storm can cause waters to rise and since Florida is at a low elevation, floods are even more common. They can be deadly, destructive, and life- altering so it’s important to put a plan in place to keep you and your family safe during a flood.

Watch this great video by the National Geographic entitled Floods 101 to learn more about floods.

Although floods are by nature difficult to deal with and recover from, there are some things you can do. Here are some tips on what you can do to prepare to for the next big flood.

Understand the area you live in. Find out if your home is in a flood zone and if the area has a history of flooding. When the heavy rains come what happens? Where does the water collect? Are there any big trees or other debris that could potentially do harm. If you know the impact of a heavy rain you can figure out what kind of flood damage you may be up against. Become familiar with the flood warning signs in your community so you can better prepare for the flood you will most likely experience.

Once you understand your area find a safe dry meeting spot where you can meet your loved ones in case of evacuation or separation during a flood. When a flood occurs thing can get pretty chaotic and often times power lines are down which can make communication difficult. Locating a place to re-connect with your friends and family is really important. Talk with them ahead of time so everyone will know where to go in case of a flood.

Find out if you have flood insurance. Many homeowners’ insurance policies do not cover flood damage. Contact a Public Insurance Adjuster to go over your homeowners’ insurance policy and find out if you need to purchase additional flood insurance. A Public Insurance Adjuster can help you to understand what kind of damage is covered and what is not. If you find that your home is a victim of rising waters and you do have flood insurance a Public Insurance Adjuster can connect you with Flood Remediation Professionals, Structural Drying Companies and many other services to help you to recover from a flood. A Public Insurance Adjuster is an important ally when filing flood and all other homeowner insurance claims. Contact one at Stellar Public Insurance Adjusters today. They are here to help.

Tags: flood damage, flood insurance, florida flood insurance, insurance claim
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Is it time to build an ark?

Posted on April 28th, 2011

Have you ever experienced the shocking discovery to find your home filled with water? The common reaction is that this type of damage is a flood, “the house is flooded.” Many homeowners or commercial property owners rush to make their insurance claim for flood damage, when actually they have no flood insurance and it’s not even a flood. A flood, for insurance purposes, is when water from another body of water rises and enters the premises.

Also, insurance for flood damage typically has to be purchased separately to have proper coverage. Public Adjusters will explain exactly why a property owner should carry an insurance policy for flood damage. Many Public Adjusters in Miami have plenty of experience dealing with flood and flood insurance. This is because the coastal areas of Florida, such as Miami, Miami Beach, Sunny Isles, Aventura, Surfside, Hollywood, Ft. Lauderdale, Palm Beach, Delray Beach, and the surrounding areas are at high risk for flood damage from the surrounding bodies of water. A Public Adjuster will explain your risks and exposure to determine what makes the most sense for you.

There are several different reasons for a flood to occur and often they happen during a tropical storm or hurricane. This types of situations property owners can experience both storm damage, flood damage, and unfortunately other damage can effect the property in this type of scenario.

Visit our website to learn more about flood damage insurance claims in Miami and how a Public Adjuster serving Miami Dade and Broward County can help you.

Tags: flood damage, public adjuster miami, water damage
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