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Insurance and Water Damage Claims
Water damage claims are tricky. For example, if your home floods because a high wind event blew off the roof and torrential rains damaged your home, the damage will likely be covered but if the flood is the result of storm surge, you're probably on your own.
How to Get a Fair Insurance Settlement
Be assertive and proactive. When the adjuster visits your home, point out the damage and ask him to look for hidden damage. Make sure the adjuster does a thorough inspection. If possible, have a third party contractor, like a roof inspector (if you need roof repairs), present. The contractor will be able to point out damage that the insurance adjuster may not have noted otherwise.
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