How To File A Flood Claim In Fort Lauderdale

Natural disasters are not unfamiliar to Fort Lauderdale, Florida; flooding brought on by hurricanes, tropical storms, and a lot of rain is a common worry. Due to its long coastline and low-lying terrain, the state is particularly prone to the disastrous effects of flooding. It is crucial to be ready for such events as a homeowner in Florida and to comprehend the procedure for making a flood claim.

At Schilling & Silvers Property and Accident Attorneys, we aim to help our clients get the maximum compensation for their homeowners insurance claims. If you need information about how to file a flood claim in Fort Lauderdale or in the state of Florida, please review this article carefully. Our property insurance attorneys in Fort Lauderdale are experts in navigating the process of flood claims and can provide a free consultation if your home suffered any type of damage and your claim was denied or underpaid. 


    • Understand Flood Insurance

    • The Importance of Flood Insurance for Florida Homeowners

    • The procedure for filing a flood claim in Florida

    • What happens if your flood claim is denied

Understanding Flood Insurance

Before diving into the process of filing a flood claim, it’s crucial to grasp the importance of flood insurance. Standard homeowners’ insurance policies generally exclude flood damage coverage, making it necessary for residents in flood-prone areas to purchase separate flood insurance. This type of insurance protects your property and belongings in the event of a flood-related disaster. Flood insurance can be obtained through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA), or through private insurers.

The NFIP offers affordable flood insurance to property owners and renters in participating communities that comply with floodplain management regulations. While NFIP policies provide coverage for physical damage to your property and personal belongings, some limits may not be sufficient for high-value homes or extensive property damage.

On the other hand, private flood insurance can offer higher coverage amounts, additional living expenses, and broader coverage for personal belongings. Though private insurance may come with higher premiums, it can provide more tailored policies and shorter waiting periods. It’s essential to carefully weigh the options by considering factors such as coverage limits, premiums, deductibles, and the financial stability of the insurance provider, to make an informed decision and ensure the protection of your property and belongings during a flood-related disaster.

Documenting the Damage

The first step in making a flood claim is to meticulously record the damage that was done to your property. This entails documenting the damaged areas with photos or videos, both inside and outside of your home. Make sure to take detailed pictures of any structural damage, visible water lines on the walls, and any affected personal property. The proper documentation is essential evidence to support your claim and enables your insurance adjuster to evaluate it fairly.

A thorough visual record of the damage not only strengthens your claim but also speeds up the claim procedure. You can help the adjuster understand the scope of the damage and enable a more precise assessment by providing clear, organized, and thorough documentation. In turn, this helps guarantee that you get the proper settlement to pay for the costs of fixing or replacing your damaged property and belongings.

Contact Your Insurance Provider

Once you have thoroughly documented the damage, it’s time to reach out to your insurance provider to report the loss. When contacting them, be prepared to provide essential information, such as your policy number, contact details, and a comprehensive description of the damages incurred. Timely and accurate communication with your insurance provider is crucial for a smooth claims process and for ensuring that your case is handled efficiently.

Upon receiving your report, your insurance company will assign an adjuster to your case, whose primary responsibility is to assess the claim and establish suitable compensation. The adjuster will examine the documentation you provided, evaluate the extent of the damage, and estimate the cost of repairs or replacements. By maintaining open communication with your adjuster and providing all necessary information, you can facilitate a fair assessment of your claim and expedite the compensation process.

Completing the Claim Forms

Your insurance company will provide you with the necessary claim forms to complete once you report the loss. It’s crucial to give precise and detailed information about the damages sustained and the specifics of your property. In addition to the forms, send any additional pertinent documents, such as the receipts for any damaged goods, along with the photos and videos you took. Make sure to keep copies of all submitted documents for your records because they might be needed for future reference or potential disputes.

On-Site Assessment by the Adjuster

Your insurance adjuster will arrange a visit to your property to personally inspect the damages. It’s important to be present during this inspection to address any questions the adjuster may have and offer additional insights as needed. The adjuster’s role is to evaluate the extent of the damages, estimate the costs associated with repairs or replacements, and determine the compensation amount you’re entitled to receive. By actively participating in the on-site assessment, you can help facilitate a thorough and accurate evaluation of your claim.

Receiving the Payment

Receiving the Payment

Upon the adjuster’s completion of their evaluation, your insurance provider will carefully review the claim before issuing the corresponding payment. The amount of compensation you receive will be influenced by various factors, including your policy’s coverage limits, any applicable deductibles, and the extent of the damages your property has endured.

The payment process is a crucial aspect of the flood claim, as it ultimately determines the financial support you will obtain for addressing the damages incurred. By ensuring that the evaluation and documentation are thorough and accurate, you can help facilitate a fair payment outcome that aligns with the coverage and provisions outlined in your insurance policy.

Resolving Disagreements

If you find yourself disputing the adjuster’s evaluation or the allocated compensation, it’s crucial to promptly communicate your concerns to your insurance provider. Furnish them with any supplementary documentation that bolsters your claim. If required, a homeowners insurance attorney like Schilling & Silvers Property and Accident Attorneys can go to bat for you and get you the compensation for an underpaid or denied claim as well as advocate on your behalf and protect your interests during the dispute resolution process.

Historical Flooding in South Florida

The necessity of comprehending the flood claim filing process is underscored by recent events in South Florida. In April 2023, Broward County experienced a historic flooding event, resulting in damages exceeding $100 million, significant damage to nearly 1,100 homes, and hundreds of temporary and permanent job layoffs. The deluge, which deposited almost 26 inches of rain at the Fort Lauderdale-Hollywood International Airport within a 24-hour timeframe, led Governor Ron DeSantis to seek a major disaster declaration from President Joe Biden.

This unprecedented event serves as a stark reminder of the crucial role flood insurance plays in safeguarding one’s property and financial well-being during such catastrophes. It also highlights the importance of being well-versed in the flood claim process to ensure a swift and efficient response when faced with potential flooding disasters.


Although the process of making a flood claim in Florida may seem complex, being ready and following the above instructions can make the process go more easily. Understanding the value of flood insurance, gathering evidence of the damage, getting in touch with your insurance provider, filling out claim forms, meeting with the adjuster, getting paid, and handling any disagreements are all essential steps in the procedure. When faced with natural disasters like the recent historic flooding in South Florida, you can safeguard your property and financial interests by being proactive and knowledgeable about the flood claim procedure.

Additionally, it’s essential to take preventative measures to reduce the potential impact of flooding on your property. This includes elevating appliances and electrical systems, installing flood vents or barriers, and keeping gutters and drains clear of debris. By staying informed and prepared, you can better navigate the challenges of flooding and ensure a swift recovery for yourself and your property. In the aftermath of a flood, it’s crucial to prioritize safety and begin the recovery process as soon as possible. Keep in mind that mold growth can occur within 24-48 hours after a flood, so acting quickly is essential. Reach out to professionals for help with water extraction, structural drying, and mold remediation, if needed.

Remember, having flood insurance and understanding the process of filing a claim can provide you with peace of mind and financial security in the face of natural disasters. Stay informed, take preventative measures, and be prepared to act when the need arises.

Consulting with a Fort Lauderdale Flood Claim Attorney

Consulting with a Fort Lauderdale Flood Claim Attorney

In conclusion, the process of filing a flood claim in Florida is vital for protecting your property and financial interests during flood events. In addition to following the steps outlined in this article, consider hiring our experienced flood claim attorneys in Fort Lauderdale. our team of legal professionals can guide you through the complex process, negotiate with insurance companies on your behalf, and help you obtain the compensation you deserve. With our expertise and dedication, you can focus on recovering from the flood while we handle the legal aspects of your claim.

Contact us today to learn more about our services and how we can support you in the aftermath of a flood.


Is flood insurance mandatory in Fort Lauderdale, Florida?

Flood insurance is not mandatory in Fort Lauderdale, Florida, or throughout the state unless you are located in a Special Flood Hazard Area (SFHA). However, it is highly recommended, especially for homeowners in flood-prone areas. Since standard homeowners’ insurance policies typically do not cover flood damage, having a separate flood insurance policy provides essential protection for your property and belongings in the event of a flood-related disaster.

How long does it take to receive payment for a flood claim?

The timeline for receiving payment for a flood claim can vary depending on the insurance company and the complexity of the claim. Once the adjuster has evaluated the damages and submitted their assessment, the insurance provider will review the claim before issuing the payment. It is essential to ensure that the evaluation and documentation are thorough and accurate to facilitate a fair and timely payment outcome.

Can I handle a flood claim on my own without hiring an attorney?

While it is possible to handle a flood claim on your own, hiring an experienced homeowners insurance attorney can greatly benefit you in case of a denial. Attorneys specializing in flood claims have in-depth knowledge of the insurance industry and the legal processes involved. They can navigate complex claim procedures, negotiate with insurance companies, and advocate for your rights. Additionally, an attorney can handle any disputes or disagreements that may arise during the claim process, ensuring that your interests are protected and maximizing your chances of receiving fair compensation.

How can Schilling & Silvers Property and Accident Attorneys, assist with flood claims in Fort Lauderdale?

Schilling & Silvers Property and Accident Attorneys, is a team of legal professionals specializing in flood claim denials and underpayments. We can guide you through the complex process of handling a flood claim denial or underpayment, negotiate with insurance companies on your behalf, and help you obtain the compensation you deserve. Our expertise in flood claim denial cases, particularly in Fort Lauderdale, ensures that your interests are protected and that you receive a fair resolution for your claim.

What other services does Schilling & Silvers Property and Accident Attorneys, provide apart from denied flood claims assistance?

Schilling & Silvers Property and Accident Attorneys, specializes in property insurance claims and offers a range of services related to homeowners insurance. In addition to flood claims denials, we can assist with other property damage claims, such as hurricane damage, fire damage, and water damage. Our attorneys have extensive experience in dealing with insurance companies and can provide comprehensive legal representation for various property insurance matter