In June of 2008, multiple states throughout the midwest experienced months of heavy rain that resulted in flooding in multiple areas. Many rivers and other bodies of water that experienced significant overfilling eventually poured over into neighboring communities and towns, flooding various homes and causing significant damage. Many people were affected by the flooding from the damage to their homes, cars and surrounding property. During this time, there were also a few tornadoes that passed through these midwest states that exacturbated the disasters and caused even more damage throughout.

Flood Damage in the Midwest

Flooding is relatively common in the midwest, and the state of Indiana is no exception. Flooding can cause serious damage internally and externally, causing certain structures to break down and cause interior issues that will render buildings unfixable. Water damage has lasting effects that can harm people’s health over time. Homes that are affected by flooding should be fixed as soon as possible to avoid these long-term damages.

This is why it is recommended that those who live in the midwest and any areas that are more likely to experience flooding get insurance coverage. 

Typically, most homeowners insurance policies will not cover flood damage. Flood damage insurance is separate from Hydrostatic Pressure Endorsement, a type of coverage that protects individual homes and buildings from water that gets into your home’s foundation. While this may seem like flood insurance coverage, this type of endorsement generally only covers structures that have collapsed as a result of this damage.

For regular flood insurance, homeowners must take advantage of alternative opportunities to protect their homes. Federally backed by the National Flood Insurance Program (NFIP), flood insurance is available to individuals and businesses alike with options for coverage of up to $250,000 in coverage following a flood. This can be extremely critical for people who live in areas that are more likely to flood and can cause significant damage to their homes or businesses.

Flood Insurance Claims Processing

Following a flood, you will want to submit a claim immediately to get the coverage you need to rebuild your home or business.

Sometimes, though, your claims process may not go as planned – there have been many people who have experienced extreme difficulties with their insurance providers following a claims submission. For more difficult claims, it is best to work with an insurance lawyer to file.

Insurance providers have a duty of good faith when it comes to managing claims. If they handle a claim unlawfully, including ignoring claims or refusing to pay out after a claim has been approved, you may be able to take legal action. Contact an insurance attorney immediately should you experience this kind of difficulty with your insurance provider.

Insurance lawyers understand what rules and expectations insurance providers are required to follow by law. The law offices of Michael M. Raheb, P.A., have experienced Indiana insurance lawyers available to help you through any legal proceedings following a bad faith claim. These insurance lawyers are prepared to assist you in getting the coverage you need after a flood hits your home or business.