Disaster Consulting Services, LLC specializes in assisting those who have suffered flood damage as a result of hurricanes or seasonal flooding. We assist and provide information to persons who have suffered a flood loss and have flood insurance. The Standard Flood Insurance Policy (SFIP) is a complex document and there are many traps for the unwary. We primarily consult with attorneys but also endeavor to make current information available to all victims of floods. This website was developed to provide free information for those who have suffered flood damage as a result of Hurricane Ike.
CURRENT FLOOD EVENTS
Hurricane Irene Flooding
Please click here to view our general information website, including current information concerning the flooding associated with Hurricane Irene.
Also, click here to view our blog. To view the Disaster Consulting Services, LLC website, click here. For information on how to obtain a copy of "Your Guide to Handling Flood Claims", a book by Dennis Abbott and Samuel Bearman, click here.
IMPORTANT FLOOD INSURANCE ISSUES
SUPPLEMENTAL CLAIMS: Neither your flood adjuster nor your flood insurance claims representative or agent can modify any provisions of your flood policy - they cannot waive, extend, or agree to give you more time to file your supplemental claim. Your final supplemental claim and proof of loss must be filed by the current deadline of August 7, 2009. REMEMBER: a supplemental claim must include a supplemental proof of loss.
SUBSTANTIAL DAMAGE DETERMINATION: Has you city or county made a determination that your structure has sustained "substantial damage" as a result of Hurricane Ike? This determination has serious consequences with respect to rebuilding your home or business. It also entitles you to additional coverage under your flood policy. Consult an attorney to find out your rights.
FLOOD POLICY COVERAGE: Your Standard Flood Insurance Policy (SFIP) generally provides four types of coverage for dwellings: Coverage A - structure; Coverage B - contents; Coverage C - debris removal; and Coverage D - Increased Cost of complaiance (ICC). Your limits of liability are stated on the declarations page of your policy but cannot exceed the statutory maximum of $250,000 on the structure, $100,000 on contents, and $30,000 on ICC. Total payments made under Coverages A,C and D cannot exceed the statutory maximum of $250,000. Commercial properties are insured under the General Property form and have maximum limits of $500,000 on the building and $500,000 on contents with losses payable on an Actual Cash Value basis. Condominium associations are insured under a policy referred to as a RCBAP up to a maximum of $250,000 times the number of units or the repalcement value of the building, whichever is less.
PROOF OF LOSS: You may be required to submit more than one Proof of Loss. Many policyholders believe that after the initial Proof of Loss is filed, it is not necessary to file another to obtain additional payments. If you file one or more supplemental claims, you must file a Proof of Loss each time you seek additional payments and the Proof of Loss must be filed prior to the deadline established by FEMA.
PRE-FIRM OR POST-FIRM?
These are very important classifications of properties insured under a flood policy. You should know the classification of your property as well as your flood zone and Base Flood Elevation (BFE). Your Elevation Certificate provides this information. Many insureds do not realize that building and contents coverage for the lower floor of their post-FIRM structure is limited. In fact, many do not know that the lower floor of their dwelling is below the applicable BFE since it may have been "finished out" and used as living space when they purchased it. Being "fully covered" may not give you the protection you think you have.
We assist attorneys and their clients to achieve the maximum recovery on their flood claims. Our team includes meteorologists, contractors, engineers, and insurance specialists with years of experience handling flood claims. We have found that there is an unlevel playing field with respect to flood insurance claims. Our team levels the playing field and gives the attorney and policyholder the knowledge and experience to recover all covered losses under the SFIP. We offer:
DISCLAIMER: Disaster Consulting Services, LLC, acts as a claims consultant. The consultation provided does not consist of legal advice. The consultation is a claims evaluation and may include recommendations and referrals to be performed by the policyholder. Disaster Consulting Services, LLC, does not represent any policyholder or submit any claim to the insurance company on behalf of any policyholder. Representation of a policyholder in the submission of a claim to an insurance company must be done either by a licensed Public Adjuster or attorney. If you require legal advice or representation, consult the attorney of your choice.
CLEAR LAKE SHORES,
TAYLOR LAKE VILLAGE,
and all those affected by Hurricane Ike.
FINAL PROOFS OF LOSS ON YOUR HURRICANE IKE FLOOD CLAIM MUST HAVE BEEN FILED ON OR BEFORE AUGUST 7, 2009. IF YOU FAILED TO MEET THIS DEADLINE, YOUR CLAIM MAY BE BARRED. CONSULT AN EXPERIENCED ATORNEY IMMEDIATELY.
The biggest trap for flood insurance policyholders is the Proof of Loss (POL)requirement. Your policy requires you to file a Proof of Loss within 60 days after the loss. In regard to Hurricane Ike, FEMA initially granted a 120 day extension for a total of 180 days which expired as early as March 10, 2009 for some areas. On February 13, Governor Perry requested FEMA to issue a second extension or waiver of the POL deadline. Click here for a copy of the press release.
FEMA responded to Governor Perry's request and agreed to an additional extension of 90 days for filing SFIP proofs of loss for a total of 270 days. This required that proofs of loss be filed as early as June 8, 2009, for some areas. On May 28, Governor Perry requested an additional extension of the proof of loss deadline. FEMA responded on June 3, 2009, by extending the deadline an additional 60 days giving Ike policyholders until August 7, 2009,to file their final claims. Click here for more details.
NO FURTHER EXTENSIONS ARE EXPECTED.
If you have a claim and have not settled it at this time, contact us for help or consult your attorney.
NEED HELP OR INFORMATION?
For those of you with ongoing needs as a result of Hurricane Ike, click here for helpful information about free services and assistance.