Top Secret Insurance Tip for Making a Water Intrusion Claim

Top secret insurance advice that may (or may not) have come directly from a Florida Insurance Agent.

For anyone who sustains water damage: when placing a claim do NOT use the word flood. At all. Don’t even agree that your house was flooded if they say something like ‘oh so the house is flooded’. No. Bad. Respond using ‘no my home did not flood, my home had water intrusion/damage due to hurricane winds and rain’ Use things like ‘water intrusion from hurricane winds’ and ‘water damage due to hurricane force winds’. WATER INTRUSION AND WATER DAMAGE. No flood. They will throw out your claim faster than you can finish speaking.

Same goes for your car and anything else insured. When submitting a claim don’t just say ‘toaster’ cause they’ll go as cheap as possible and send you a $7 Walmart toaster even though you had a $450 Hamilton Beach 4 slice digital toaster or something. The more serial numbers and photos and receipts the better honestly. For everything. Appliances, furniture, electronics, etc. Cannon camera with 2 lenses can go from $1,200 to $70,000 real fast if you don’t specify make and model and generation and all of that.

It’s about phrasing the damages as hurricane damages. Hurricane insurance and flood insurance are two separate insurances. Even if you say ‘hurricane caused flooding’ they will put it under flood insurance and your claim will be wholly denied. ‘Water damage due to hurricane’ is the best classification. Not flood damage. Your home sustained water intrusion not flooding.

Our company does not guarantee this information to be accurate. But it sure makes sense.