FAQs

If you meet the following criteria you may be eligible for up to $30,000.00 to bring your home into compliance with current building and elevation requirements for your flood zone:
• If your community participates in the National Flood Insurance Program and you have a current policy in effect.
• If you own a home, condo, or business that was substantially damaged (in excess of 50% by flood event) or repetitively damaged (damaged at least 25% by two or more flood events within a 10-year period).
• If your home was not previously elevated to compliance (pre-firm homes or homes which were granted variances upon construction).
• If you are in a Special Flood Hazard Area (SFHA) that has an enforced Base Flood Elevation requirement or an area with newly adopted Advisory Base Flood Elevation requirements.

It depends on the severity of damage, contents involved, estimates you provide, whether or not you agree with the adjusters assessment, backed up paperwork from other claims being filed, etc. It will take the adjuster about three days to compile the estimate once he or she has all of the paperwork. Photos, diagrams and other paperwork take another 3 to 4 days. After that he or she will have to submit the claim. This could take 2 to 3 weeks. Then the check has to be cut and mailed. This could take another 2 weeks. The process could take up to 8 weeks depending upon the circumstances. We would rather give you the worst case scenario and have you be pleasantly surprised, if it’s resolved quicker, than tell you 2 weeks and have you be surprised in a bad way.

The adjuster can tell you the amount of the check after the estimate is complete, but the amount will be after depreciation and the deductible has been applied. The amount is subject to approval by the company.

No. You are still able to receive additional funds even if you cash the first check issued to you. Receiving an initial payment does not preclude the insured from receiving additional funds.

No, rotten wood is a maintenance issue.

We can check your policy and let you know, or you can contact your agent.

The check is cut after the adjuster submits your claim and it’s reviewed by a company examiner and approved. Depending upon circumstances, this could take up to 8 weeks.

It’s different for each client company. Will have to refer to the insurance companies policies/guidelines.

The scenario is not storm related.