Underwater Without Flood Insurance: What's The Homeowner To Do?

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Homeowner’s without flood insurance are in a tight financial spot if they were flooded during Hurricane Sandy. Damage by flood is not covered under the standard homeowner’s policy. Not all damage that is excluded as flood by insurance adjusters should be excluded. BenefitBill™ shows homeowner’s how to recognize when property that is flooded should be covered by wind and how to argue for the best possible settlement.

Understanding how the insurance claims process works is paramount to obtaining the best settlement

In every hurricane the issue of flood verses wind arises. Insurance adjusters typically take a straight forward approach on this issue by first identifying the flood line and then arbitrarily categorizing all damage that is below the flood line as flood and all damage above the line as wind. While neat, this is not always correct and can result in legitimate homeowner claims being underpaid or not paid at all. For homeowners without flood insurance this can be financially devastating. BenefitBill™ shows homeowners without flood insurance how to recognize when damage should be considered wind instead of flood and how to argue for the proper settlement.

Benefit Bill™ provides free online insurance claim information to homeowners and business owners needing more information about how to make an insurance claim. William S. Coffman, Jr., President has adjusted claims for over 28 years in multiple capacities. Mr. Coffman has worked for a Fortune 100 insurance company; managed catastrophe claims offices, worked as an independent adjuster representing multiple insurance companies and is currently a public insurance adjuster in South Florida. Mr. Coffman is also a past president of the Florida Association of Public Insurance Adjusters (FAPIA), an organization devoted to protecting the profession of public adjusting and protecting insurance consumer rights in Florida.

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William S. Coffman, Jr.
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