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Flood
Floods and business interruption
Would a flood trigger business interruption coverage?
Flood coverage for commercial property
Is federal flood coverage available for commercial property?
Flood-damaged personal auto
My client’s car was damaged in a hurricane. Specifically, it was caught in a flood and inundated with water. What should the client expect in terms of insurance coverage?
FEMA—additional living expenses
Q. One of our insureds has a homeowners policy and a flood policy and suffered a total loss. Since the loss is considered seepage, the carrier is not allowing use of additional living expenses, since it is not a hurricane and would not be covered. It’s a catch 22. How do they get this covered?
Loss of use—flood
Our policyholder must rent a hotel room due to the flooding of their home. How is this expense covered?
FEMA’s HO declination requirement for disaster assistance
My homeowners clients who have suffered only flood damage are being required to get a declination of coverage from their homeowners insurer in order to collect Federal Emergency Management Agency disaster assistance. Why is this necessary?
Flood claim denial
I am being told by my insureds that the flood adjusters are denying their claims for coverage because there are misclassifications on their original application. As an example, one insured listed their basement as a basement with a half crawl space and the adjuster said it was a full basement, but it was not classified as such. Is this permissible?
Mold and the NFIP policy
Is mold covered by my National Flood Insurance Program policy?
Flood—reduction of coverage limits or reformation
I received a notice that the Federal Emergency Management Agency is changing the coverage amount on my insured’s flood policy. The premium stays the same, but the coverage amount has changed. Can FEMA do this?
Coinsurance on flood policy
Is coinsurance a factor in determining a loss payout on a flood policy?
Recurring flood losses
When a property has experienced re-occurring flood losses and then that property is sold, does the re-occurring loss get reset?