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Water/Flood Damage
Water/Flood Claim
Water and flood damage can be deceptively destructive. What begins as a minor leak or rising water can quickly escalate into structural compromise, mold infestation, electrical hazards, and long-term property deterioration. Whether caused by burst pipes, roof leaks, appliance failures, or natural flooding, these events demand swift action and expert documentation to ensure your insurance claim reflects the full scope of loss.
At Rise Public Adjusters, we specialize in water and flood damage claims across Florida and Georgia, where extreme weather and aging infrastructure often leave property owners vulnerable. Our team understands the critical differences between standard homeowners policies and flood insurance—especially those governed by the National Flood Insurance Program (NFIP). We know how to interpret exclusions, navigate policy limits, and present compelling evidence that supports your right to full compensation.
Our process begins with a comprehensive damage assessment, including moisture mapping, structural inspections, and inventory of affected personal property. We document not only the visible damage but also the hidden risks—like mold growth behind walls or foundation shifts caused by prolonged saturation. We then prepare and submit a detailed claim package, negotiate directly with your insurance carrier, and advocate for supplemental payments if your initial claim was underpaid or denied.
Common challenges we help resolve include:
- 💧 Disputes over cause of loss (e.g., flood vs. water damage)
- 🧾 Incomplete or inaccurate damage documentation
- 🏚️ Denied or delayed NFIP claims
- 🛠️ Lowball repair estimates or overlooked structural issues
- 📉 Depreciation deductions that reduce your payout unfairly
We also assist with FEMA-related claims, elevation certificates, and rebuilding compliance—especially for properties in flood zones or coastal areas. Our goal is to remove the stress from the claims process and restore your property with confidence and clarity.
When water invades your home or business, Rise Public Adjusters is your strongest line of defense. We don’t just file claims—we fight for your recovery, your rights, and your peace of mind.
Safely Document the Damage
After a storm, hurricane, or flood event, documenting property damage safely and thoroughly is essential for a successful insurance claim. Begin by ensuring the area is secure—avoid entering unstable structures or areas with standing water, exposed wiring, or mold. Once it’s safe, take high-resolution photos and videos of all affected areas, including structural damage, water intrusion, personal belongings, and exterior impacts like roof or landscape loss.
Capture wide shots for context and close-ups for detail, and timestamp your documentation whenever possible. Keep a written inventory of damaged items, noting their original value and condition. If temporary repairs are needed to prevent further damage, save all receipts and document the work before and after.
At Rise Public Adjusters, we guide property owners across Florida and Georgia through this critical step, ensuring every detail is captured accurately and safely to support a strong, well-substantiated claim.
How Long do you Have to File a Flood Claim in Florida?
In Florida, timing is everything when it comes to filing a flood insurance claim. If your policy is backed by the National Flood Insurance Program (NFIP), you typically have 60 days from the date of the flood event to submit a signed and sworn Proof of Loss. This document is critical—it outlines the scope of your damage and the amount you're claiming. Missing this deadline can jeopardize your ability to recover funds, even if your damage is well-documented. For private flood insurance policies, deadlines may vary, so it’s essential to review your specific policy terms or consult with a licensed public adjuster. At Rise Public Adjusters, we help property owners across Florida act quickly and accurately, ensuring every claim is filed within the required timeframe and supported by thorough documentation. Don’t let the clock run out—let us guide you through the process and protect your right to full recovery.
In Georgia, flood insurance claim deadlines are primarily governed by the terms of your individual policy, especially if it's issued through the National Flood Insurance Program (NFIP). Under NFIP guidelines, policyholders typically have 60 days from the date of the flood event to submit a signed and sworn Proof of Loss—a critical document that outlines the extent of your damage and the amount you're claiming. While Georgia does not impose a statewide statutory deadline for filing flood claims, most policies require prompt or immediate notice of loss, meaning you should notify your insurer as soon as possible after the event occurs. Delays in reporting or submitting documentation can lead to disputes, reduced payouts, or even denial of coverage. At Rise Public Adjusters, we help Georgia property owners navigate these time-sensitive requirements with precision, ensuring every claim is filed correctly, thoroughly, and on time
