Flood: Understanding and Recovering from One of Nature's Worst Disasters



Adjusters International Disaster Recovery Consulting


Understanding and Recovering from One of Nature’s Worst Disasters

By Bill Koehler Contributing: Hal Arnold

It is the inevitable disaster. Each year floodwaters will rise and numerous properties will be destroyed. Heavy rains, hurricanes and winter runoff all cause flooding. Flooding can occur just about anywhere, and other than fire, it is the most common and widespread disaster. After the water recedes, the adjusting of flood insurance claims can be a very difficult and trying process.

The National Flood Insurance Program is subject to a different set of rules than those found in an insurance policy. There are literally thousands of pages from many official National Flood Insurance Program Web sites that can affect the policyholder. Although this article discusses some of the key coverages of the National Flood Insurance policy, it is not intended to provide a detailed analysis of...


The topic of flood claims was originally addressed in an earlier edition of Adjusting Today . Changes in the industry and the National Flood Insurance Program — which provides property owners with federally backed coverage — along with vast demand for material on this topic from our readers, has caused us to revisit this subject. In this edition, original author and industry veteran Bill Koehler is joined by fellow Adjusters International public adjuster, Hal Arnold, in exploring the coverages and issues unique to the adjustment of flood claims. This article aims to clarify the complexities of flood insurance and describe the role of the National Flood Insurance Program as it stood at press time.

Rounding out this edition is a brief discussion of the role of the FEMA Public Assistance Program by Jeff Shaw, a nationally recognized expert in FEMA disaster programs. Mr. Shaw outlines the key steps in the grant process as well as the potential pitfalls.

If you or any of your clients have even a remote chance of a flood loss, this edition of Adjusting Today is must reading. As always, we welcome your comments and suggestions.

— Sheila E. Salvatore, Editor