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Free Consultation: (941) 216-1496

Flooding Claims


Flooding can be the result of tropical system is Florida, but can occur simply from torrential rain storms which occur periodically. There may be some insurance carriers who carry flood insurance, but flood policies are purchased from the Federal Emergency Management Agency (FEMA) and is called the National Flood Insurance Program. For flooding to be considered an insurable event it must meet the following criteria:

  • Water must cover a minimum of two acres of land normally considered dry, or affect two or more homes.
  • Flooding is defined as a general and temporary condition of partial or complete inundation of normally dry land caused by:
    • An overflow of inland or tidal waters
    • An unusual and rapid accumulation of surface waters including runoff
    • Mudslides which are caused by flooding and consist of flowing or liquid mud over normally dry land such as earth carried by flood water and deposited elsewhere along the flood path
    • Water that inundates a flood plain, either from rivers, coastal flooding, or shallow flooding. Alluvial fan flooding also qualifies but is normally found in mountainous areas.

Flood insurance does not cover flooding from indoor plumbing overflows, septic tanks, or sewers. It also does not cover rain coming into the home through the roof. These claims would be filed under normal homeowners insurance coverage.

If you feel you have been denied insurance coverage by a qualified FEMA policy, or are being told by your homeowners insurance company that water damage was due to flooding when the damage was caused by overflows etc., contact Dino Law and we can help you get the money you are owed.