Flood Insurance

A sudden storm flooded our client’s basement, they quickly filed a claim—only to face a harsh reality. Their homeowners' insurance denied coverage, citing flood damage as the reason. It’s a common surprise: many policies don’t cover flooding, leaving homeowners unprotected when disaster strikes.

When the insurer initially denied the claim, the client’s flood and excess flood coverage obtained through their personal risk advisor became a game-changer. This specialized protection, tailored by our PCS team who understand the unique risks, ensured the client wasn’t left out in the cold. 

Working closely with the client's carrier, our PCS team reviewed every detail to ensure the client’s flood coverage was honored accurately. Thanks to our persistence and deep knowledge along with the client's foresight into acquiring flood protection, their basement refinishing costs were fully covered—saving them thousands in unexpected repair bills.