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The contractor was fast. The invoice was clean. The claim? Delayed for weeks. 

The contractor was fast. The invoice was clean. The claim? Delayed for weeks. 

“The contractor was fast. The invoice was clean. The claim? Delayed for weeks.” All because it wasn’t itemized. Most property owners don’t realize that flood insurance isn’t like homeowners insurance... ...more

NFIP Policy Deep Dives

May 15, 20253 min read

Here’s What Every Condo Board Needs to Know

Here’s What Every Condo Board Needs to Know

Most condo boards assume their elevators are protected under their flood policy — after all, they’re a critical part of the building. But under the NFIP, that’s not always the case. Here’s the truth:... ...more

Pre-Flood Preparedness

May 13, 20252 min read

This Is Just the Beginning… Why Most Flood Losses Start Before the Water Ever Hits

This Is Just the Beginning… Why Most Flood Losses Start Before the Water Ever Hits

The water rises. Roads close. The chaos begins. But the real damage? It started long before this moment. What you're seeing now — the flooded streets, the soaked drywall, the panic — is just the outco... ...more

Pre-Flood Preparedness

May 12, 20252 min read

The Line That Cost Her the Entire Claim

The Line That Cost Her the Entire Claim

One Line in the Policy. One Missed Detail. Total Denial. She didn’t know. She thought having flood insurance meant she was protected. ...more

NFIP Policy Deep Dives

May 09, 20252 min read

Would You Pay $10,000 for someone to do ... nothing?

Would You Pay $10,000 for someone to do ... nothing?

When flood damage hits, you want to get every dollar you’re entitled to — fast. So it’s no surprise that many property owners turn to public adjusters to help maximize their flood claim. But here’s w... ...more

Pre-Flood Preparedness

May 07, 20253 min read

If your contractor’s invoice says $35,000… but FEMA only pays $19,000 — guess who covers the rest?

If your contractor’s invoice says $35,000… but FEMA only pays $19,000 — guess who covers the rest?

When a flood hits, one of the first calls property owners make is to a mitigation company or contractor. They show up, assess the damage, and hand you a detailed estimate for cleanup and repairs. You ... ...more

Flood Coverage Gaps & Policy Misunderstandings

May 06, 20252 min read