Flooding is one of the most devastating effects of hurricanes, and after the damage caused by Hurricanes Helene and Milton, Tampa homeowners are struggling to rebuild. To make matters worse, many flood insurance claims are being denied, leaving policyholders frustrated and overwhelmed.
If your flood insurance claim has been denied, don’t give up. Denials are common, but they’re not always the final word. With the right help, such as a public adjuster, you can challenge your insurance company and fight for the payout you deserve.
Why Are Tampa Flood Insurance Claims Being Denied?
Flood insurance claims can be denied for several reasons, some valid and others questionable. Here are the most common reasons:
Lack of Documentation Insurance companies require detailed flood damage documentation, including photos, videos, and repair estimates. Without this evidence, your claim could be denied.
Policy Exclusions Some policies have exclusions or limitations on what they cover. For example, your flood insurance policy might not cover damage to certain areas of your home, like basements.
Pre-Existing Damage If the insurer believes the damage existed before the flood, they may deny your claim.
Late Filing Flood insurance claims must be filed within a specific timeframe. Missing the deadline can result in automatic denial.
Misinterpretation of Policy Sometimes, insurers deny claims based on a misinterpretation of the policy’s terms. They may argue that the damage doesn’t meet the definition of “flood” or that it falls under another exclusion.
Bad Faith Denial In some cases, insurance companies may deny claims without a valid reason, hoping the policyholder won’t push back.
Hurricanes Helene and Milton: A Surge in Denied Claims
The destruction caused by Hurricanes Helene and Milton left Tampa residents with significant flood damage. Unfortunately, many homeowners are now facing denied insurance claims, adding stress to an already difficult situation.
At Base Claims Public Adjusters, we’ve seen an alarming number of denied flood insurance claims in Tampa and the surrounding areas. These denials often stem from vague policy language, insufficient documentation, or errors on the insurer’s part.
We’re currently helping multiple clients appeal their denied claims from Hurricanes Helene and Milton. With our expertise, we’ve been able to overturn many of these denials and secure the compensation our clients deserve.
What to Do If Your Flood Insurance Claim Is Denied
If your flood insurance claim has been denied, don’t panic. Here’s what you should do next:
1. Review the Denial Letter
Your insurance company is required to provide a written explanation for the denial. Carefully review this letter to understand the reasons behind their decision.
2. Gather Evidence
If you haven’t already, collect as much documentation as possible, including:
Photos and videos of the flood damage.
Receipts and estimates for repairs.
Reports from contractors or flood damage specialists.
3. Request a Re-Evaluation
Contact your insurer and request a re-evaluation of your claim. Be prepared to provide additional evidence to support your case.
4. Hire a Public Adjuster
A public adjuster is a licensed professional who works for you—not the insurance company. They can:
Review your policy to identify coverage you may not realize you have.
Document the damage in detail to strengthen your claim.
Negotiate directly with your insurer to overturn the denial.
At Base Claims, we specialize in denied flood insurance claims. Our team has extensive experience handling claims related to hurricanes like Helene and Milton, and we know how to navigate the complexities of flood insurance policies.
5. File an Appeal
If your insurer won’t budge, you can formally appeal the denial. This process involves submitting additional evidence and potentially working with a public adjuster or attorney to make your case.
How a Public Adjuster Can Help With Denied Flood Claims
Fighting a denied insurance claim on your own can be overwhelming, especially when you’re dealing with the aftermath of a hurricane. Here’s how a public adjuster can make a difference:
Policy Expertise Flood insurance policies can be complicated, with exclusions and limitations that are difficult to interpret. A public adjuster knows how to navigate this fine print to identify coverage opportunities.
Thorough Documentation Public adjusters conduct detailed assessments of your property to ensure no damage is overlooked. They also gather the evidence needed to support your claim.
Negotiation Skills Insurance companies often try to minimize payouts. A public adjuster will negotiate on your behalf to ensure you receive fair compensation.
Faster Results With their experience, public adjusters can expedite the claims process, helping you get the funds you need sooner.
Cost-effective Public adjuster are an affordable option for Florida homeowners compared to hiring a lawyer.
At Base Claims, we’ve earned a 5-star rating on Google and an A+ BBB rating for our dedication to helping Tampa homeowners navigate denied insurance claims.
FAQs About Denied Flood Insurance Claims
1. Can I appeal a denied flood insurance claim? Yes! You have the right to appeal your insurer’s decision. A public adjuster can help you build a strong case and provide the evidence needed to overturn the denial.
2. How long do I have to file a flood insurance claim in Florida? Flood insurance claims must typically be filed within 60 days of the flood. For hurricane-related claims, it’s important to check your policy for specific deadlines.
3. What if my insurance company denies my appeal? If your appeal is denied, you can consider filing a complaint with the Florida Department of Financial Services or pursuing legal action.
4. How much does a public adjuster cost? At Base Claims, we charge a 10% fee for state-of-emergency claims, which is more affordable than hiring an attorney.
Additional Resources: Fema Flood Insurance and Florida Department of Financial Services for consumer complaints.
Final Thoughts
Dealing with a denied flood insurance claim can be frustrating, but it’s not the end of the road. With the help of a trusted public adjuster, you can fight back and get the compensation you deserve.
At Base Claims, we’ve helped countless Tampa homeowners overturn their denied claims, including those affected by Hurricanes Helene and Milton. Let us handle the hard work so you can focus on rebuilding your home and life.
Contact Base Claims Public Adjusters today for a free consultation, and let us fight for your claim! can help you file your claim on time, maximize your payout, and rebuild with peace of mind.
Ready to proceed in getting help with your storm insurance claim? Contact Base Claims Public Adjusters today for a free consultation and repair your property promptly.
Don’t let your insurance company deny your claim or shortchange you. Contact Base Claims today for a free consultation and in-person and virtual damage evaluation. We’re here to help you navigate the process and fight back the right way.
Remember, when it comes to storm-related claims, the right public adjuster with a 5-star rating on Google and an A+ BBB rating like Base Claims can make all the difference!
Let's connect and see how we can help you navigate your claims effectively. Contact us today for a consultation regarding your New, Denied, or Underpaid Claim and maximize your compensation.
Benjamin Licht 954-589-8710
Office 954-466-5730
Don’t wait until it’s too late.
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