Flood Insurance Claims in Florida: What Every Homeowner Needs to Know

With hurricane season threatening homes across Florida every year, flood damage is one of the most devastating and expensive losses a homeowner can face. At propertyinsurance.law, we represent Florida policyholders when their flood insurance claims are denied, delayed, or underpaid. This guide breaks down the key facts every Florida homeowner needs to know about flood insurance, claims, and policyholder rights.

Who Provides Flood Insurance in Florida?

Most flood insurance policies in Florida are underwritten by the National Flood Insurance Program (NFIP), which is managed by FEMA. These policies may be issued directly by NFIP (NFIP Direct) or through the Write Your Own (WYO) program, where private insurers issue and service the policy but FEMA still pays the claims.

In addition to NFIP policies, many private flood insurance policies are now available through licensed Florida insurers. These may include standard, preferred, flexible, or supplemental flood coverage options.

What Counts as a Flood Under My Policy?

Both NFIP and private market policies define “flood” as a temporary condition of partial or complete inundation of at least:

• Two or more acres of normally dry land, or

• Two or more properties, including the insured's.

Flooding must come from:

• Overflow of inland or tidal waters

• Rapid accumulation or runoff of surface waters

• Mudslides caused by flooding

• Collapse of land near a body of water due to erosion

Important: Water damage from just one property or non-flood-related causes may not qualify under NFIP terms.

Types of Flood Insurance Coverage

Standard NFIP Policy

• Offers building and contents coverage (must be purchased separately)

• Subject to FEMA rules and claim procedures

Private Market Flood Insurance

• May match or exceed NFIP coverage

• Often includes additional benefits like:

  • Additional living expenses

  • Replacement cost for contents

  • Coverage for water intrusion not strictly defined as flood

  • Higher coverage limits

  • Supplemental protection for jewelry, art, or deductibles

To find your best option, visit FloodSmart.gov or consult a licensed Florida agent.

When Does Flood Coverage Begin?

There is usually a 30-day waiting period before flood insurance takes effect, unless:

• The policy is purchased in connection with a loan or refinance

• The policy is transferred to a new property owner

This is why you should never wait until a storm is approaching to purchase coverage.

How to File a Flood Insurance Claim in Florida

1. Report the Loss Immediately

2. Document Everything

   • Take photos of all damage

   • Keep samples of damaged materials (carpet, drywall, etc.)

   • Write an inventory of destroyed contents

   • Save receipts and contractor estimates

3. Adjuster Visit

   • An adjuster should contact you within 48 hours

   • They’ll inspect, take measurements, and provide a Proof of Loss form

4. Submit Your Proof of Loss

   • This must be sent within 60 days of the flood

   • Keep copies of everything you submit

For full instructions, visit FEMA’s flood claim page.

Disputing a Flood Insurance Claim

If you disagree with the adjuster’s assessment:

• Ask for a breakdown of how they calculated the damage

• Provide independent estimates or reports

• Submit your disagreement in writing

NFIP claims cannot be mediated through Florida’s Residential Property Mediation Program. However, you may file an appeal directly with FEMA.

If FEMA denies the appeal, you still have the right to sue. At propertyinsurance.law, we evaluate and litigate denied flood insurance claims throughout Florida.

Important Tips for Florida Homeowners

• Do not delay filing: 60 days goes by quickly after a major storm

• Keep receipts and proof of ownership for major items

• Create a digital home inventory before a disaster strikes

• Review your flood zone using FEMA’s Flood Map Service Center

  
  

Need Help With a Flood Insurance Claim?

If your flood insurance claim was denied, delayed, or underpaid in Florida, you do not have to fight FEMA or your insurance company alone.

At propertyinsurance.law we represent homeowners across Florida in flood claim disputes. Our attorneys are ready to step in and demand the full compensation you’re owed under your policy.

Call or visit us today to get answers about your flood claim.