Flood Damage Claims

We have over-turned over mIllions of dollars in rejected claims with the help of our expert team.

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According to the National Weather Service, flooding is a national risk applicable and answerable for more than $3.4 billion annually in total flood insurance claims. Instead of being covered by your run-of-the-mill property insurance policy, flood damage requires special coverage. Given that, are you prepared? People count on a proper public adjuster to get them a 700% higher settlement on average. Working exclusively for you, Four Elements Adjusters make sure to fully capture the extent of the damage ASAP by using the most suitable moisture detection technology, eliminate your headaches of handling insurance, and get your claim approved. We maximize your coverage and earn you the largest possible payout.

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Our process

From Free Inspections to full restorations, Four Elements has you covered with our holistic approach.

Step 1


Step 2

Policy Review

Step 3


Step 4


Step 5


Step 6


Step 7

Capital Recovery

Step 8


Step 9

Final Settlement


Flood claim vs. water damage claim?

The main difference between them is where the water originates from. When it comes to flood damage, the water originates from a natural source, and flood destruction often affects at least two properties. Should both you and your neighbor be experiencing water issues caused by rising waters, you are likely handling a flood claim. Meanwhile, if you are dealing with water on your property yet your neighbor does not suffer any problem, a water insurance claim may be what you are about to handle.

How much water is considered a flood?

A flood must reach a specific threshold of size to be classified as an NFIP "flood." Necessarily, the water covers either more than just your property or two acres (around 87,000 sq. ft).

Will a flood damage claim increase my premiums?

Usually, an “act of God” insurance claim will not raise your premium. But on the other hand, even if you do not turn in an insurance claim or are not affected by a big catastrophic storm, the rate will likely increase because many other people file claims.

What to do if I have a partially denied claim or a claim denial?

In this case, you are recommended to get Four Elements Adjusters to review the claim and offer a secondary coverage opinion.

How to know if a public adjuster is necessary on my tornado damage claim?

Insurers tend to require thorough estimates written in a specialized piece of software. Also, unfortunately, many commercial property owners have a partially denied claim. Mastering Xactimate and having extensive insurance experience, Four Elements Adjusters make sure to close your claims professionally, promptly, fairly, and with reduced stress.