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Bell Property Loss Consultants, LLC  /  Blog
Categories FEMA, Flood Insurance, NFIP

I’m From The Government, and I’m Here to Help

Dealing with FEMA and NFIP (National Flood Insurance Program): What to Expect and How to Substantiate an Insurance Claim?

The Federal Emergency Management Agency (FEMA) is a U.S. government agency under the Department of Homeland Security, created to coordinate responses to natural disasters and emergencies that overwhelm local and state authorities. Established in 1979, FEMA’s primary mission is to help communities prepare for, respond to, and recover from disasters such as hurricanes, floods, wildfires, and other large-scale emergencies.

What FEMA Does:

  • Disaster Relief: FEMA provides financial assistance for temporary housing, property repair, and personal losses not covered by insurance.
  • Preparedness & Mitigation: FEMA works with communities on disaster planning, public education, and creating resilient infrastructure.
  • Coordination & Support: FEMA partners with local, state, and federal agencies to coordinate disaster response efforts, sending in resources like food, water, medical supplies, and personnel when needed.

FEMA and the National Flood Insurance Program (NFIP): FEMA oversees the NFIP, a federal program that provides flood insurance to property owners in high-risk flood zones across the U.S. It ensures affordable flood insurance coverage since most private insurers don’t cover flood damage.

In short, FEMA plays a vital role in managing disaster recovery and helping Americans bounce back after emergencies, while also working to reduce the impact of future disasters.

Floods can cause significant damage to homes and properties, leaving homeowners with the daunting task of navigating insurance claims. If you have coverage through the National Flood Insurance Program (NFIP), understanding the process and substantiating your claim is critical to ensure you receive a fair settlement. Here’s what you need to know and expect when dealing with the NFIP and steps to help you successfully substantiate your insurance claim.

What to Expect from the NFIP

  1. Limited and Restrictive Coverage Flood insurance from the NFIP has specific limitations. Coverage is divided into two main categories: building property (the structure) and personal property (contents). Each category has coverage limits, which may not fully cover high-value items. Additionally, NFIP policies sometimes do not cover temporary living expenses or losses such as business interruptions, so it’s essential to be aware of these gaps.
  2. Cumbersome Claims Process: The NFIP claims process can be time-consuming and complex. After a flood, you must file a claim promptly but be prepared for a lengthy process that requires patience and thorough documentation.
  3. Government-Run Program Delays Because NFIP is a federal program, there may be delays due to the large volume of claims following significant flood events. This can add frustration and anxiety to an already stressful situation, so understanding the timelines involved can help manage expectations.
  4. Adjusters and the Initial Assessment Once you file your claim, an NFIP adjuster will be assigned to assess the damage. Remember that this adjuster works for the NFIP and will provide an estimate based on NFIP guidelines and policies. The adjuster’s assessment may not always reflect the actual cost of repairs, which is why it’s essential to be prepared to substantiate your claim if discrepancies arise.

How to Substantiate Your NFIP Insurance Claim

Successfully substantiating your NFIP insurance claim requires careful attention to detail, thorough documentation, and persistence. Here are vital steps to follow:

  1. Document Everything Immediately following the flood, start documenting all damages. Take extensive photographs and videos of every part of your property, including visible and blatant (e.g., soaked floors or walls). Capture images of the exterior and interior, damaged personal belongings, and structural components like the roof and foundation. The more detailed your documentation, the better.
  2. Keep Records of Repairs and Expenses Any emergency repairs you make to prevent further damage should be documented with photos and receipts. This is critical for reimbursement. Ensure all expenses related to the flood, such as temporary living expenses, if available, supplies receipts, and contractors’ invoices, are carefully filed for your claim.
  3. Hire an Experienced Insurance Professional- A trained and experienced insurance professional is essential to ensure a fair and accurate damage assessment. An Insurance Appraiser, Public Adjuster, or Building Consultant can review the adjuster’s report and identify any discrepancies or underestimations in the repair costs. They can also provide an independent estimate of what it will truly cost to repair or rebuild your property.

Appraisers, PAs (public adjusters), and building consultants with expertise in flood damage can help you navigate the complex NFIP guidelines. Their insights can significantly increase your chances of receiving a fair settlement, especially if disagreements arise with the initial assessment.

  1. Understand NFIP Policy Limits. Make sure you’re familiar with your policy limits under the NFIP. There is a cap on the amount the NFIP will pay for damages to the building and contents, so you should know how this might impact your claim. If the adjuster’s estimate is below your policy limits, your appraiser can help substantiate your claim and demonstrate that the actual costs are higher. The National Flood Insurance Program (NFIP) sets coverage limits for flood damage to residential and business properties. For homes, it covers up to $250,000 for the building and $100,000 for personal belongings. For businesses, the limit is $500,000 for the building and $500,000 for contents. However, these limits may not cover all damage, and high-value items or additional living expenses are not included. Business interruption and temporary housing costs are also not covered. Homeowners and business owners may need private flood insurance for full protection. Click here for a more detailed description of the NFIP Policy Limits.
  2. Be Persistent but Patient The process of settling an NFIP claim can take time, especially if there is widespread flood damage. While it’s essential to be patient, don’t be afraid to follow up regularly with your adjuster and advocate for your claim. Submit supplemental claims if additional damage is discovered after the initial assessment. Make sure you have other evidence to back it up, invoices receipts, estimates, etc.

Final Thoughts: Navigating the NFIP with Confidence

Dealing with the NFIP can be challenging, but by documenting your damage thoroughly, hiring an experienced insurance professional, and understanding your coverage limits, you can improve your chances of a fair settlement. Remember that the burden is on you, the policyholder, to substantiate your claim, so take the necessary steps to protect your interests. An insurance professional can provide expert insight to ensure you’re not left with unpaid repair costs.

In summary, preparation, persistence, and professional support are your greatest tools for the NFIP.

Author bellpropertyl2
Categories Insurance Claims, Insurance Disputes

My Insurance Company Said WHAT??

Navigating Insurance Claims After a Loss: Why Expert Insights Matter

When disaster strikes—whether it’s a storm, flood, or hurricane —your priority is to ensure the safety of your family and home. Once the immediate danger has passed, the next step is assessing the damage and filing an insurance claim. But here’s where things can get tricky. Dealing with insurance companies can be daunting, especially if you’re unfamiliar with the ins and outs of claims and repair cost estimating. This is why having an expert insurance appraiser on your side is crucial for impartial and fair assessments.

Here’s a guide to help you navigate the following steps, avoid common pitfalls, and ensure your claim is handled correctly.

1. Document Everything: The First Step of the Process

The moment you notice damage to your property, start documenting immediately. Take clear photos of all affected areas, including the interior and exterior of your home. Don’t assume anything is too minor to document; small details can add up regarding repair costs.

  • Pro tip: Take multiple angles of the same damage to ensure nothing is missed.
  • Note: Keep a detailed inventory of any personal property that was damaged or lost.

The more thorough your documentation, the easier it will be to substantiate your claim.

2. Understand Your Role in the Claim Process

One of the most important things homeowners need to realize is that it’s up to you, the policyholder, to prove the full extent of the damage. The insurance company will conduct its assessment, but its goals may not align with yours. Their estimate may not reflect the actual cost of repairs.

If you disagree with their assessment, you have the burden of proof to prove that their estimate is inaccurate. This is where an expert insurance professional can make all the difference. Working for you, The Policyholder, they will give a fair estimate of repair costs, helping you substantiate your claim and avoid getting short-changed.

3. Pitfalls to Avoid When Dealing with Insurance Companies

  • Assuming your insurance company will take care of everything: Unfortunately, insurance companies are businesses whose goal is often to minimize costs. You’ll need to be proactive and thorough.
  • Not understanding your coverage: Familiarize yourself with what your policy covers—and, more importantly, what it doesn’t. For example, standard homeowner’s insurance policies do not cover flood damage. You can only get flood insurance through the National Flood Insurance Program (NFIP).
  • Not securing expert insights: You may have an undervalued claim if you rely solely on the insurance company’s assessment. Bringing in an experienced insurance professional ensures you have an accurate assessment that accurately reflects your loss and the necessary repair costs.

4. The Challenge of Flood Insurance Claims

If you have flood insurance, be prepared for a long and often complicated process. The National Flood Insurance Program (NFIP), the only flood insurance provider, is restrictive and slow-moving. Coverage is limited, and many homeowners find the process frustrating and the payouts underwhelming.

  • Be prepared for disappointment: Flood insurance coverage is less comprehensive than standard insurance policies. Knowing this going in can help you set realistic expectations.

5. How to Ensure a Fair Settlement

While dealing with your insurance company, here are some key steps to protect yourself and ensure you get a fair settlement:

  • Get your own estimates: Don’t rely solely on the insurance adjuster’s estimate. Bring in a contractor, or even better, an insurance professional specializing in FEMA protocols for damage assessment and repair cost estimating. If you dispute the insurer’s numbers, this will give you a solid foundation.
  • Communicate in writing: Always document your communication with the insurance company. Email is best, as it provides a written record to which you can refer back if necessary.
  • Stay persistent: The claims process can be slow, but don’t let delays discourage you. Follow up regularly with your insurer and be firm in your communications.

6. Why You Need Professional Damage Assessment and Documentation

Public Insurance Professionals are a solid line of defense when navigating the claim process. They are adjusters, Appraisers, and building Consultants who work for the policyholder. They are not aligned with insurance companies; they work for you to represent your rights and interests. They should have in-depth knowledge of construction, repair costs, and insurance practices. Their job is to assess your damage and provide an estimate that accurately reflects the cost of repairs. Your insurance company will of course be looking to protect their own interests and sometime just make mistakes. The insurance company adjuster may be inexperienced or have limited authority to write larger losses.

Public Insurance Adjusters, Appraisers, and Building Consultants can:

  • Provide a detailed and properly documented estimate of your property damage to PROVE the extent of the damage and repair costs.
  • Help you gather this evidence to dispute a low insurance settlement.
  • Guide you through the often-confusing process of filing claims, ensuring you meet deadlines and follow all necessary procedures.

Final Thoughts: Be Proactive and Prepared

When disaster strikes, your focus should be on recovery. But when it comes to dealing with insurance companies, being proactive and seeking expert guidance is the key to getting the compensation you deserve. Don’t rely solely on the insurance company’s version of your damages and costs. Protect your interests by working with an experienced insurance appraiser who can give you a fair, impartial assessment.

Remember, it’s your responsibility to prove the extent of your damage, and having an expert on your side will make all the difference. Whether you’re dealing with storm damage or filing a flood claim through the NFIP, staying informed, documenting everything, and getting professional support will help ensure a smoother and more successful claims process.

Bell Property Loss Consultants are Building Consultants whose expertise is in Accurate Valuation of Damage for any insurance claim. We provide written estimates and the proper documentation to ensure your claim is processed and paid properly. If your claim is not being settled properly or actively, there is a process in the policy called Insurance Appraisal. Bell Property Loss Consultants are expert Appraisers and Umpires that specialize in Disaster Recovery and will get your claim solved through the Appraisal Process. Click here for a sample Appraisal Clause.

Author bellpropertyl2
Categories flood loss, hurricane damage

WHAT DO I DO NOW?

Tips for Homeowners Confronted with Property Damage after Hurricanes Helene and Milton

After a hurricane like Helene or Milton hits, the aftermath can be overwhelming for homeowners. Knowing where to begin your inspection and understanding the next steps to protect your property can help reduce stress and prevent further damage. Here are essential tips for homeowners to assess property damage after a hurricane. Additionally, there is help out there, and licensed professionals will converge on your area to assist you in navigating a proper recovery.

The tips below are based on customary protocols whether you are dealing with an insurance claim or going it alone:

Step 1. Document Everything

One of the most important first steps after a hurricane is to take photos of everything. Whether it’s minor or severe damage, no detail is too small to capture.

  • Photograph damaged areas from multiple angles.
  • Take close-ups of any visible cracks in walls and ceilings, water damage, or damage to your home’s structure.
  • Don’t forget to document items that have been affected, such as furniture, electronics, and appliances, even the contents of your refrigerator and kitchen cabinets

This visual documentation will be vital for your insurance claim or for obtaining aid that is available through private, nongovernment organizations and FEMA. It will provide proof of the extent of the damage.

Step 2. Remove Water-Damaged Items Promptly

Water damage is notorious for leading to mold growth, which can cause even more issues down the road. To limit mold growth:

  • Remove any water-damaged items as quickly as possible.
  • Pay particular attention to carpets, drywall, insulation, and furniture, as these can become mold magnets if left untreated.

If you’re unsure how to handle water damage safely, retain the services of a local, reputable water damage mitigation contractor. Local experts will be familiar with the specific conditions in your area and are more likely to be reliable than out-of-town contractors.

3. Beware of Scams

In the aftermath of hurricanes, some opportunistic contractors may try to take advantage of desperate homeowners.

  • Avoid “fly by night” operations by thoroughly checking contractors before hiring.
  • If a contractor is out of state, take steps to ensure they are licensed and permitted to work in your state before moving forward.

Working with a local contractor reduces the risk of scams. It also ensures that the contractor understands the local regulations and has a vested interest in their reputation in the community.

4. Take Preventative Steps to Avoid Further Damage

Once you’ve documented the damage and removed affected items, taking reasonable steps to protect your home from further damage is essential. If you have filed an insurance claim, your policy clearly states that this is your responsibility. Not doing so could result in a contentious battle with your insurance carrier.

This could include:

  • Remove any fallen trees or branches that have made contact with any structure on the property.
  • Tarping the roof to prevent rain from causing further damage.
  • Boarding up broken windows and doors.

These actions are not just for your peace of mind; as mentioned above, insurance policies often require them to avoid denying a claim due to this policy language.

5. Rely on a Trusted Expert

Handling the aftermath of hurricane damage can be daunting, especially when navigating insurance claims and ensuring your home is restored correctly. That’s where Insurance professionals come in. With years of experience and commitment to their clients and the professionals handling property loss insurance claims, they are a trusted resource for ensuring you receive the support you need. Our local expertise means we understand the unique conditions caused by hurricanes Helene and Milton and can provide personalized advice to help resolve claims and get the best outcomes for everyone involved.

Bell Property Loss Consultants are Building Consultants whose expertise is in Accurate Valuation of Damage for any insurance claim. We provide written estimates and the proper documentation to ensure your claim is processed and paid properly. If your claim is not being settled properly or actively, there is a process in the policy called Insurance Appraisal. Bell Property Loss Consultants are expert Appraisers and Umpires that specialize in Disaster Recovery and will get your claim solved through the Appraisal Process. Click here for a sample Appraisal Clause.

Author bellpropertyl2
Categories Causation, Dispute Resolution, Insurance Appraisals, Restoration Determinations

How Appraisals are Critical in Determining Causation and helping with Resolving Insurance Claims Efficiently.

When it comes to dealing with insurance claims, determining causation can be one of the most critical factors in settling disputes and getting fair compensation. Often, the cause of a loss is not immediately obvious, and there may be several factors at play that make determining causation a challenging task. This is where insurance appraisals come in – providing an independent and objective analysis of the facts to help determine the cause of a loss.

An insurance appraisal involves a thorough investigation into the details surrounding a claim, including interviews with witnesses, examination of physical evidence, and review of relevant documents. The appraiser will carefully evaluate all of the evidence to ensure that the cause of the loss is accurately determined. By taking this thorough approach, insurance appraisals can provide greater clarity and confidence in determining causation – helping to reduce disputes and minimize the possibility of future issues arising from a claim.

One of the benefits of an insurance appraisal is that it provides an objective perspective on the claim. Insurers and policyholders often have different priorities and perspectives when it comes to determining causation. By employing an independent appraiser, both parties can have greater confidence in the accuracy and reliability of the determination – leading to a more effective resolution of the claim.

Overall, insurance appraisals are a critical tool for determining causation in insurance claims. By providing an unbiased analysis of the facts, an insurance appraisal can help to resolve disputes and ensure that all parties are fairly compensated for losses. If you find yourself in a situation where the cause of a loss is in dispute, consider engaging an independent appraiser to help provide greater clarity and objectivity in determining causation.

Check out this landmark article on how vital Insurance Appraisals are in determining Causation and Period of Restoration Determinations: https://www.propertyinsurancecoveragelaw.com/2023/05/articles/court-opinion/blockbuster-new-york-appraisal-decision-impacts-causation-and-period-of-restoration-determinations/

Author bellpropertyl2
Categories Insurance Appraisals, Property Loss

Invoking Appraisal in an Insurance Loss

An insurance contract is purchased as a means of protection against financial loss. Essentially, insurance is a way to protect your property, goods or business from a loss of value.

There are many types of insurance policies, home, auto, business property, or business interruption.
Despite the wide array of policies most have a small but powerful means of settling a disputed claim.

What is an “Insurance Appraisal”?

Insurance appraisal is a form of alternative dispute resolution that will “decide the dollar amount of an Insurance claim”.  It can help both the policyholder and the insurance company.  It is often timelier and more cost-effective than litigation.

Insurance appraisal cannot address issues of coverage or causation, only cost.

Insurance appraisal is to “set the amount of loss” only.

An Example of an Insurance Appraisal Clause:

“If you and we fail to agree on the amount of loss, either may demand that the amount of loss be set by appraisal.  If either makes a written demand for appraisal, each shall select a competent, independent appraiser.  Each shall notify the other of the appraiser’s identity within 20 days of receipt of the written demand.  The two appraisers shall then select a competent, impartial umpire.  If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire.  The appraisers shall then set the amount of the loss.  If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire.  Written agreement signed by any two of these three shall set the amount of the loss.”

Facts about Insurance Appraisal:

It effectively removes the decision making from the entrenched parties that cannot agree on a settlement.

Either the policyholder or the insurance carrier has the right to invoke appraisal.

It is generally more efficient and less costly than litigation.

It is binding on both parties.

Insurance appraisers can be builders, insurance agents, lawyers, or anyone competent in the damage being appraised.

The umpire in the appraisal process should rule only on the differences between the two appraisers.

An award will still be subject to regulations, state law, or policy conditions.

The Insurance appraisal process is a non-judicial means of resolving disputes.

An umpire is only necessary if the two appraisers can’t reach an agreement.

Each party must pay for their appointed appraiser. The policyholder and the insurance company share the umpire and other expenses equally between them.

This pertains only to disputes involving a disagreement in the amount of loss.

Conclusion

For both the policyholder and insurance company the insurance appraisal process can be an excellent and often cost-effective way to resolve an insurance dispute.

Author bellpropertyl2
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