Flood Damage


Floods have the potential to be quite dangerous, as well as damaging. This overflow of water can be due to a discharge from a surrounding body of water or from an excess of rainwater. Floods range from very small to very large; floods can also develop very slowly or very suddenly, in which they are referred to as flash floods.

The National Flood Insurance Program (NFIP) defines flooding as “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows”.

Flooding typically occurs in low-lying flatland where water cannot easily runoff. Flooding can also develop in areas where there are impenetrable surfaces such as concrete, where the precipitation cannot be easily absorbed into the ground. When there are instances of extensive heavy rains, this can create opportunity for flash flooding. Flash flooding ensues when the rainfall in the area surpasses the drainage accommodation of the area.

After wildfires, floods are the most widespread of all natural disasters. Approximately 90% of all U.S. natural disasters that have been officially declared by the President of the United States include a degree of flooding. Coastal areas are at particular risk, but because so many contributing factors could possibly lead to flooding, including but not limited to, wind and storm surges, all areas are at some level of peril to flood and flood damage. Within the last five years, all 50 states have experienced some form of flooding or flash flooding. It is important to realize the potential of a flood: a few inches of water can cause tens of thousands of dollars in damage.

It is also important to know the difference between a flood warning and a flood watch. A flood warning indicates that flooding is possible. A flood watch informs that flooding is currently or about to occur. Faced with the dangerous situation of a flood, it is advised that individuals get to the highest level of ground possible. When a flood is imminent, be prepared. If possible, bring outdoor furniture inside and remove any important contents from the basement, if applicable, to higher ground. Turn off main utility lines and disconnect any electronic appliances.

For health reasons, make sure to sanitize anything that comes into contact with flood water, as the extent of its contents are unknown. After a flood, your community’s water supply might not be safe for drinking purposes. In the midst of a flood, do not walk through moving water. Do not drive through any flooded areas. If you find yourself in a vehicle when a flood occurs, abandon the vehicle and make your way to higher ground if safely possible. Do not make contact with any electrical equipment if you are wet or in standing water.

Steer clear of flood water not only because of contamination concerns but also for the possibility of active electric charges. Avoid downed power lines and moving water at all costs.

Most home or property owners purchase a flood protection policy separate from their standard property or homeowner’s insurance policy. Customarily, property owners need to purchase flood insurance protection through the National Flood Insurance Program. Flood insurance is available through the National Flood Insurance Program to homeowners, business owners and renters alike. With the National Flood Insurance Program, all rates are set and do not differ from company to company or from agent to agent.

Flood insurance covers both the building and its contents. Remember that it is absolutely crucial to know exactly what your insurance policy covers and what it does not cover. In the majority of cases, it takes 30 days for a flood insurance policy to become active.

Filing Flood Proofs of Loss

It is very important to file flood proofs of loss properly, especially before filing a lawsuit. While the details of this video surround super storm Sandy, the importance and urgency of filling out proofs of loss correctly is always important. Reference the FAQs under the resources tab on the main menu bar to view a more instructional video on how to properly complete the proofs of loss form.

If you experience delayed, denied or underpaid issues with your insurance company regarding your flood insurance claim, please call the Merlin Law Group. Our attorneys have incomparable expertise when it comes to insurance law, and we will fight for you, the policyholder. Call us toll-free anywhere in the nation at 877-449-4700 for a free consultation.

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