top of page

Flood Damage

Have you experienced flood damage? Central Florida Property Claims is available for you 24/7, with an expert team of Central Florida Public Adjusters ready to help fix any problem from day one - we represent and manage insurance claims for commercial properties too!

Flood Damage in Central Florida

Flooding is a frequent occurrence in Central Florida, especially during the heavy rains of hurricane season. Even inland locations like The Villages or Orlando experience it sometimes. Unfortunately, flood damage is often covered under a separate insurance policy from other homeowner problems. Flood insurance programs generally run through FEMA. Typical insurance companies deemed flood insurance too risky and refused to cover homes that needed flood insurance. The FEMA program provided the necessary service, but it became mired in bureaucracy. That’s why you should call Central Florida Property Claims. As public adjusters, the team’s experience is invaluable to creating and covering your case with the flood insurance company. In addition, the public adjusters handle the insurance company so you can focus on rebuilding your home.

Common Issues with Flood Damage

Flood damage can cover many areas of your home. For example, you could have a specific room with flood damage, or a flood could knock out the electrical harness in your car. It all goes through the same intricate process with the insurance company, however.

Common Issues with Flood Damage:

  • Health risks

  • Safety risks

  • Emotional trauma

  • Mold growth

  • Loss of working hours

  • Interior and exterior damage

There is little you can do to prevent a flood. While you can take measures like sandbagging around your home, these are not guaranteed to avoid flood damage. You pay your flood insurance premium so the program can help you when something happens, not so you can sit in paperwork limbo.

Insurance companies do not see your flood insurance in the same light. Instead, it becomes a maze to navigate to get what the insurance company owes you to rebuild. That’s why you need an insurance expert on your side.

Tricks Insurance Companies Use

While flood insurance may be administered differently, the program still shares characteristics with your homeowner’s insurance. The program still wants to pay the minimum possible while keeping you in the program, leading to unique tactics. You may also have chosen private flood insurance. With flood insurance, providers may claim that the level of damage is not as significant as you’re claiming in your filing. This tactic requires that you prove the damage to your property is as you claim it is, which can be difficult without the help of an expert. Additionally, sometimes flood insurance providers request that you prove the damage is actually from flooding. This request can prove to challenge since it requires an investment on your part. However, insurers generally use this tactic when the flood damage only covers a small area. You may also see your insurance program requiring that you prove the value of anything claimed in the flood paperwork. This step may also include the value of the repair work, particularly if your area contractors raise prices to match demand. If you cannot prove the value to the insurance company, you may end up paying the difference out of pocket. Flood insurance companies generally avoid denying claims outright. After all, you would not remain with a company that refused to pay out after you have faithfully paid your premiums. However, that does not mean the insurer will not slow your claim as much as legally possible in hopes you give up yourself. Insurance companies can do many things to avoid paying the full amount of your flood claim. You need someone on your side who understands these tactics and how to handle each one so you can get back to living your life.

How Central Florida Property Claims Can Assist

The Central Florida Property Claims team has several public adjusters ready to help you with your flood claim. Where the adjuster from the insurance company is not on your side, our team is, and we’re committed to getting the results you need.

Public adjusters handle the insurance company and guide you through the process to the best possible payout for your flood damage. Our knowledgeable team serves as a buffer between you and the insurance company so you can focus on what matters. When you experience flood damage, call Central Florida Property Claims. We serve Orlando, Tampa, Daytona, and The Villages in a myriad of capacities. Call today to get the support you need to handle flood damage.

Types of residential and commercial damage we manage:


What are the next steps?

  1. Free initial consultation which includes an inspection, damage assessment and policy review.

  2. We will then schedule and attend an inspection with your insurance company’s adjuster.

  3. Once our reports are complete, we will start negotiations to get your claim settled.


We are here to make this process simple and hassle free for you!


Get A FREE Inspection Today

bottom of page