Flooding is one of the most devastating—and most underinsured—types of property loss. Standard homeowners policies do not cover flood damage from water entering your home at ground level or below. To be protected, you need a separate flood insurance policy, typically through FEMA’s National Flood Insurance Program (NFIP) or a private market carrier. But even with the right policy in place, flood claims are notoriously difficult to navigate—often requiring specialized forms, elevation certificates, detailed inventories, and fast documentation under tight deadlines.
Coverage is frequently limited. Many flood policies cap payouts for basements, exclude landscaping, limit coverage for contents, and offer little or no support for temporary housing. And in storm-prone areas, disputes between wind and flood policies are common—leaving homeowners stuck in the middle while insurers argue over who’s responsible. Without clear, early documentation, important parts of your claim may be reduced or denied altogether.
At Loti, we bring clarity and structure to a chaotic and technical claims process. We help you document your damage, interpret confusing policy language, and organize your submission line by line—so you get paid faster and more fully, without being trapped between carriers or lost in red tape.
OUR APPROACH
Flooding—When the Water Rises, We Help You Stay Above the Claims Process
Take photos immediately—marking visible water lines, soaked materials, structural damage, and destroyed contents
Save all receipts for emergency water removal, drying equipment, and mitigation services
Request your full flood policy declarations and confirm your building and contents limits
Keep your elevation certificate, flood zone determination, and any applicable FEMA documentation handy
Begin a detailed personal property inventory, listing brand names, values, and pre-loss condition of each item
Key Steps We Help You Take After A Flood:
We also help distinguish flood damage from other water sources (like wind-driven rain or pipe bursts), and coordinate with both flood and homeowners insurers when necessary to make sure no part of your loss is overlooked.
At Loti, we know flood claims aren’t just about paperwork—they’re about rebuilding quickly and getting your life back on track. Our team structures your claim to meet exacting requirements, navigate policy complexity, and push through insurer delays—so you can recover with confidence, even when the waters don’t go down easily.
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What Is the Flooding Peril?
The flooding peril refers to coverage for damage caused by the overflow of water onto land that is normally dry. This can result from various sources, including heavy rain, storm surges, overflowing rivers, or rapid snowmelt. Flooding can affect a home’s structure, its Foundation, and Personal Property, often leading to significant damage that requires extensive repairs.
Understanding the Flooding Peril in Homeowners Insurance: What You Need to Know
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