Our Hurricane Blog | Colling Gilbert Wright & Carter

It is important to plan well in advance of hurricane season to assess your insurance needs to protect your home and family. If you live in low lying or coastal areas, purchasing a separate flood insurance policy is a must.

A homeowner’s policy or condo owner’s policy will cover most types of water damage, but usually not flood damage. Flood damage is covered under a separate policy, and perhaps you have both of these policies. Disputes often turn on the determination of whether damage is from “flood” or from “water”. There’s a strict legal definition for what a flood is.

One extremely important thing to remember is that a newly purchased flood insurance policy does not take effect until after 30 days, so purchasing a policy as a storm approaches will not protect you. More information about flood insurance can be found at Floodsmart.gov.

If you have a flood insurance policy and you feel your claim has been denied or you have not been fully compensated, please call us or send us an email. We can give you a free consultation and start to determine whether you might have a valid legal claim. Our office serves all of Florida. Se habla español.

Labels: Flood Insurance Claims, Florida Hurricane Insurance Claims, Florida Hurricane Insurance Denial, Hurricane Property Damage, Tropical Storm Fay