In Florida, this lack of awareness is especially apparent in the ongoing debate over FEMA’s 50% Rule — a crucial regulation for post-disaster rebuilding that has recently taken center stage in the media. Despite its long-standing significance in guiding recovery after major flood disasters, public awareness remains surprisingly low. What’s even more troubling is the persistent spread of misinformation, often repeated by community leaders, so-called experts, and local building officials. These inaccuracies, amplified by media coverage, lead to widespread misunderstanding, with many mistakenly assuming the rule applies uniformly across all communities. This confusion creates significant challenges for agencies and experts striving to provide clear guidance during critical times.
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Policyholders who were impacted by Hurricane Idalia flooding will soon be faced with fully complying with the terms and conditions of their flood policies.  One of those tasks is the filing a Proof of Loss (POL), which to the layman can be as complex as building a house with no construction experience.  Not surprisingly, our Florida public adjusters are already fielding calls with questions from confused policyholders.
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We’ve revived a very popular blog for the benefit of Hurricane Idalia property owners on understanding flood where our talented staff of public adjusters share some of the best tips they could think of for handling a flood claim. The following are some tips that hopefully will help folks should they have flood coverage. Remember flood insurance is a separate policy from your standard homeowners insurance and covered under the National Flood Insurance Program (NFIP). Private insurers also sell under this program. A standard homeowners policy “will not” cover flood defined as rising water. Standard policies will cover wind driven rain or any moisture coming from above such as roof leaks.
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A lot of properties that experienced Hurricane Michael losses are starting to have Law & Ordinance issues. Law & Ordinance kicks in when the Florida and local building code requirements impact what will be required in order to obtain a CO (Certificate of Occupancy) in order to reoccupy the damaged structure. It is a separate coverage in your policy that you must elect and covers some of the cost of required code upgrades. If your property (be it commercial or residential) suffers a loss where the cost of repairs is greater than 50% of the pre-loss value of the real property, your repairs must incorporate current building code upgrades.

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As the catastrophic flooding from Hurricane Florence unfolds, thousands of businesses and homeowners who never considered the possibility of dealing with flood damage will be investigating the claim process. We will be sending a team of adjusters to the Carolinas when authorities say it is safe to enter. So in order to offer assistance to our readers, I asked my talented staff of public adjusters to share some of the best tips they could think of for handling a flood claim. The following are some claim tips that hopefully will help folks should they have flood coverage or even windstorm damage.

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The catastrophic flood event expected from Hurricane Florence with widespread flooding on the Virginia, North and South Carolina coasts is bringing back bad memories from the debacle we went thru with Superstorm Sandy. For those who have flood insurance, we encourage you to review and pay close attention to your flood policy’s terms and conditions. The policies issued by the National Flood Insurance Program (NFIP) are unique because they fall under a Federal Government program with its own rules and regulations. Keep in mind that many private insurance companies resell and administer the NFIP policies.  So make sure you confirm if your flood policy falls under this program.

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“Recovery from a hurricane is a difficult, long term process,” says Craig Fugate, former FEMA National Emergency Management Director. Listening to all the pundits talk and write about  2017 hurricane disaster planning, I was reminded about the former big Wall Street brokerage firm, E. F. Hutton and their tag line that ran with commercials some years ago. It went like this, “When E. F. Hutton talks, people listen.”

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There were a number of articles over the course of the last few weeks that focused my attention back to the water peril.  Spring storms in the middle section of the country with the severe floods that always seem to follow; global warming issues being reported almost daily with the threat of rising sea levels; and then this recent article, Flood recovery meeting set in White Sulphur Springs  from The Herald-Dispatch in West Virginia, that announced meetings with various officials to try and provide updates to the folks in southern West Virginia who were affected by last year’s floods in the mountain state. 

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As the saying goes in the sports fishing world when the big one is hooked, “FISH ON!” After 10 years of no hurricane landfalls, Florida experienced first a tropical storm, which was later upgraded to Cat 1 Hurricane Hermine. I feel very bad for all the folks affected in this State from Hurricane Hermine. From the media reports, this storm caused misery to a lot of Floridians along the Gulf Coast from Sarasota, Tampa Bay, all the way up the west coast to the big bend area and westward to Tallahassee. Flooding was as bad or worse than the wind in many locations but in combination, they likely did a number on property owners.  And if property damage wasn’t enough, the loss of power added misery to the mix. 
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Anticipating the 100 year flood event that occurred in my native southern West Virginia was the last thing on my mind when I wrote and published my recent blog Troubled Waters – Insurance Claims Under Attack, about the “Troubled Water Claims” phenomena we are currently experiencing in Florida. But given the fact that Florida’s water problems and West Virginia’s terrible flooding disaster have one common denominator - water, I thought it would be helpful and hopefully educational to distinguish a flood event versus a water loss since these terms are often misused in the property insurance world. In addition, for those who do have flood insurance, we want to share some knowledge and information in the form of tips from my firm’s extensive experience in water/flood losses including our most recent work handling Super Storm Sandy flood claims in New York.

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