Flood and Water Damage Claims in Texas
Many property owners confuse water damage insurance claims and flood insurance claims. In fact, flood losses are covered under a separate policy in Texas. Flood losses are handled through the National Flood Insurance Program (NFIP), which is a government-run program meant to provide property owners with access to affordable flood insurance.
The definition of a flood is as follows: “…a general and temporary condition of partial or complete inundation of two or more areas of normally dry land area, or of two or more properties (at least one of which is your property) from an overflow of inland or tidal waters; unusual and rapid accumulation or run-off of surface waters from any source; mud flow.”
In plain English, a flood is an excess of water (or mud) that covers an area of land that is typically dry. A flood can stem from heavy rains, overflowing rivers, rapidly thawing snow, flash flooding, and hurricane storms surges. There are many conditions in any flood policy to be aware of, including a 60-day deadline to submit the proof of loss. Unless this is waived by an authorized official (and you would want to get a copy of the wavier to be sure) then the proof of loss must be submitted in the time that the policy states.
This is a very difficult constraint because you must know the value of all of your losses – and in a short period of time. Flood policies have very limited coverage, and typically do not cover loss of use, which means there are no insurance funds set aside to stay at another location during the claim and rebuilding process.
In most cases, the property loss from flood damage is so devastating that it can destroy all the contents in a home. Many times the property owner will clear out the damaged items prior to the demolition process, and are left to inventory their belongings in order to make a personal property claim in Texas. Trying to remember every item you had in your household is nearly impossible.
Hiring The Disaster Advocates to prepare your home inventory for a Texas flood insurance claim will help by allowing you to focus on other aspects of your disaster recovery. Our experts have successfully completed property content inventories so many times that we have designed templates listing the contents a normal household contains. A full property content inventory by competent professionals is one of the many benefits to having a TDA public adjuster flood insurance claim expert guide you through the process. Click here to learn more about TDA public adjusters water damage claims and recovery services.
Let The Disaster Advocates help you “Claim What’s Yours” after flood and water damages your property. Please contact TDA Public Adjusters to set up your No Cost Consultation.