Hurricane Insurance Claims: Got a hole in your roof? DON’T report a ‘flood’ claim

By Wes Baldwin, The Baldwin Company, Property Loss Consultants

If Irma has punched a hole in the roof of your home or business, you may be tempted to call your insurance agent and tell them it has rained so much that your house is now flooded.


Even if you are standing in your living room in water above your ankles – you need to know that, in the world of property-insurance claims, this is technically not a flood.

The term you want to use when reporting this type of insurance loss to your insurance company is…

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