Having the right flood expert on your side matters — even after the storm.

The first time I met Dan, he was pacing in a gutted office space, boots soaked and patience thinner than drywall after a storm.

“The contractor’s been paid. The demo’s done. But the insurance company says they’re not paying the full claim.”
He looked at me like I had the answer. I did.
And he wasn’t going to like it.

📉 The Problem Wasn’t the Damage — It Was the Prep

Dan owned three strip mall buildings along Florida’s Gulf Coast. Smart guy. Well-insured. Had weathered hurricanes before.

What he didn’t have?

• An elevation certificate on file.

• A detailed contents inventory.

• A contractor who knew NFIP doesn’t accept lump-sum invoices.

The flood wasn’t the disaster.
The lack of preparation was.

“But No One Told Me This Was Required…”

Exactly. That’s the trap.

Most property owners assume flood insurance works like a homeowners policy. You file the claim, show the damage, get a check.

But the NFIP doesn’t work like that. It’s a federally regulated policy — with fine print, specific forms, and rules that don’t care how wet your floors are.

Dan had done everything right after the flood.
But everything wrong before it.

And here’s the kicker: all of it could’ve been avoided with one conversation before storm season.

🔁 But Here’s the Part That Changed

Dan found me through a colleague — after the claim had already been partially denied.
He was frustrated. Ready to give up.
But we weren’t done.

I stepped in and reviewed everything:

• Compared the contractor’s estimate to the policy’s language

• Identified missed scope items that could be backed by photo documentation

• Helped secure a supplement request using a newly signed, itemized contract

Was it late in the game?
Yes.
But we still recovered $18,000 in additional payment.

Not the full amount — but enough to close the books on the project and avoid eating the loss.

.

🔍 What a Pre-Flood Consultation Actually Does

This is exactly why I created my Pre-Flood Consultation service.

I work with:

• Commercial property owners

• Condo boards and associations

• Contractors who want to do things the right way

To prepare before disaster hits.

We walk the property.
We identify coverage gaps.
We review your policy (in plain English).
We explain what NFIP actually pays for — and what you’ll be left holding the bill for.

Because you can’t afford to figure this out after the water’s already inside.

🛠️ For the Contractors Reading This…

I’ve seen too many great contractors lose trust — and money — because no one taught them how to work within NFIP’s system.

You do incredible work.
But if your estimate isn’t itemized properly, or your contract’s missing key elements, you won’t get paid.
Worse, your client will be furious — even if you did everything right in the field.

That’s why I host a 1-day seminar just for restoration pros, contractors, and estimators.
We’re going to break down the NFIP process, show you real examples of paid vs. denied claims, and give you the tools to win more jobs and get paid faster.

🧠 The Lesson in All This?

Dan’s story isn’t uncommon.
And if you’ve made it this far, you probably don’t want it to be yours.

Whether you’re managing a property, representing a board, or submitting flood estimates as a contractor — the rules don’t change just because the flood already happened.

But your outcome can.

Even late in the game, the right strategy — and the right advocate — can still make a difference.

Let’s talk before the next storm hits.
📩 Book your free consultation now!