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Public Adjusters for Flood Damage

You may live in an area where flooding seems the least likely possibility. But then it invades your home. Now, with costly property damage, how can you file and negotiate a claim that will get you enough to restore your home?

By trusting our proven flood claim capabilities to protect your interests, you can focus on the safety of your family and the recovery of your home.

Are you prepared for the unexpected? Regardless of location or proximity to a floodplain, many homeowners can experience a flood damage. When it comes to flood insurance and flood risk, most people may not realize that it has to be purchased as a separate policy from their homeowners insurance. What does flood insurance cover? It is different from regular property insurance policies and, because flooding results in damage to multiple homes, the volume of claims can lead to a complicated and stalled insurance claim process with your insurance company.

Moreover, as you’re thrown into the chaos of a flood damage insurance claim, people may stream in from every direction, all pushing to sell you something—restoration firms, board-up companies, building estimators, contractors, landscapers, carpet salesmen—the push goes on. At Globe Midwest Adjusters International, our public adjusters push to actually get you something: every dollar you’re entitled to under the terms of your homeowners insurance policy. Our team knows the process, the policies, the players, the language, and how to interpret and apply your homeowners insurance coverages to your greatest advantage.

Globe Midwest is uniquely experienced in preparing and negotiating maximum claim recoveries for homeowners after Michigan and Illinois flooding, and from other flood damage in the Midwest.

We work with you as partners and advocates to get you more sooner.

What To Focus On After Flood Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • How much do I really need to know?
  • How much of my time will this take?
  • How can I minimize the emotional toll on my family?
  • How can I minimize the effect on my work/career?
  • How large of an advance should I expect?
  • Is there anyone on my side?
  • How much time over the next several months will you need to put aside to handle your claim properly? How will all those hours affect your family? Your job?
  • What is the emotional investment that you will need to commit to the process?
  • Can you get paid for your time?
  • Are you entitled to an advance from the insurance company? What is reasonable?
  • What is your broker or agent’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
  • Are you familiar with the forms/practices below and what their request/issuance is telescoping? Request for a Proof of Loss. Reservation of Rights letter. Request for an Examination Under Oath.

Property Damage Losses Homeowners Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations