We help home and business owners whose flood insurance claims have been denied or undervalued.

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Call: 855-702-9061
Text: 817-203-0260

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Flood Damage Claims

We understand the aftermath of a flood can be devastating to your home or business. A claim dispute with your insurance company is the last thing you want to deal with.

Do you have NFIP flood insurance?

Flood insurance is separate from homeowners’/business owners’ insurance.

Home and commercial insurance policies cover many types of water damage but customarily exclude flood damage. In fact, many home and business insurance companies do not offer flood insurance. In order to file a flood insurance claim, typically, a property owner must have purchased flood insurance through the National Flood Insurance Program (NFIP). Be advised, once you purchase your policy, there is a 30 day waiting period before the policy goes into effect. According to NFIP, the average flood insurance policy costs about $700 per year.

For general information on what is and is not covered by flood insurance, read the NFIP’s Summary of Coverage.

Call us for a free, no-obligation flood damage claim review to assess your situation and review your potential legal options: 855-702-9061.

Call today to schedule a free, no-obligation flood damage claim review: 855-702-9061

Is it flood damage or water damage?

According to the Federal Emergency Management Agency (FEMA) a flood is a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least 1 of which is the policyholder’s property) from:

  • Overflow of inland or tidal waters
  • Unusual and rapid accumulation or runoff of surface waters from any source
  • Mudflow

Additionally, a flood can be a collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood, as defined previously.

Common water damage claims typically covered under homeowners’ insurance:

  • Burst pipes
  • Roof leaks
  • Drain system failures

Common flood damage claims typically NOT covered under homeowners’ insurance:

  • Overflowing rivers
  • Flash flooding
  • Snow thawing
  • Hurricane storm surges

Reasons your insurance company may give for denying your flood damage claim:

  • The damage was preexisting.
  • The damage was caused by non-flood related causes, like wind or a burst pipe.
  • The damage was a result of earth movement (not the flood).


What does your policy cover?

It is always important to review your insurance policy to ensure what is and is not covered. If your insurance company has denied your water damage or flood damage claim, contact our experienced insurance lawyers for a free insurance claim review.

How we can help with your flood damage claim.

Should you choose to hire us to represent you, our insurance litigation team will carefully review the language of your flood policy, assess the damage to your home or business and evaluate the reason for your insurance company’s decision. Generally speaking, if we cannot reach a fair resolution with your insurance company, we will move forward with trial.

Flood Damage Claim Denied, Delayed or Underpaid? Get help now: 855-702-9061

Hurricane Irma Rainfall Stats:

Ft. Pierce, FL = 15.91 in
Oviedo, FL = 14.76 in
Chekika, FL = 13.83 in
Inlikita, FL = 13.63 in
Gainesville, FL = 12.22 in
Mims, FL = 12.11 in
Naples, FL 11.87 in
Cache, FL = 11.49 in
Starke, FL = 11.33 in
Melbourne, FL = 11.21 in
Jacksonville, FL = 11.17 in
Fleming Island, FL = 11.11 in
Switzerland, FL = 11.11 in
Panther, FL = 11.08 in
Ortega, FL = 11.00 in
Fort Myers, FL = 10.33 in
Summerfield, FL = 10.04 in

Source: http://www.wpc.ncep.noaa.gov

An accurate and thorough Proof of Loss can make or break your flood damage claim.

A Proof of Loss is a policyholder’s statement of the amount of money being requested, signed to and sworn to by the policyholder with documentation to support the amount requested. If you purchased flood insurance through the NFIP, it is imperative you understand the Proof of Loss requirement. Review FEMA’s Proof of Loss.

Typically, your Proof of Loss deadline is 60 days.

FEMA has extended Harvey, Irma & Maria Proof of Loss deadlines. Learn more >

Proof of Loss, along with any supporting documentation, must be sent to the NFIP servicing Agent or Write Your Own Company (NFIP Insurer) within 60 days after the date of loss. Failure to file your Proof of Loss within 60 days of the loss could result in claim denial and losing your right to file a lawsuit. In many instances, Proof of Loss deadlines may be extended after disasters that affect large numbers of people. These deadlines are strictly enforced. 

Hurricane Harvey Rainfall Stats:

Ft. Pierce, FL = 15.91 in
Goliad, TX = 22.68 in
Victoria, TX = 17.08 in
Weser, TX = 13.02 in
Refugio, TX = 13.00 in
Nursery, TX = 11.52 in
Inez, TX = 11.09 in
Coleto Creek, TX = 9.42 in
Corpus Christi, TX = 6.23 in
Berclair, TX = 6.10 in
Portland, TX = 5.72 in
Beeville, TX = 5.04 in
Three Rivers, TX = 4.07 in
Orange Grove, TX = 3.70 in
Flour Bluff, TX = 3.65 in
Sandia, TX = 3.55 in
Beeville, TX = 3.39 in
George, TX = 3.13 in

Source: http://www.weather.gov

Why choose McDonald Law Firm for help with your flood damage claim?

After a flood, the insurance company is focused on their bottom line. You need someone on your side, protecting your best interests. The experienced insurance lawyers at McDonald Law Firm understand how to evaluate your flood damage claim and fight for the maximum compensation allowed under your flood policy.

Call us if…

  • You need help preparing and filing your proof of loss.
  • Your flood damage claim has been delayed, denied or underpaid.
  • You believe you are being treated unfairly by your insurance company.


Let’s talk.

Call: 855-702-9061
Text: 817-203-0260

  • This field is for validation purposes and should be left unchanged.
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