Flood Consultants Network Blog
Having the right flood expert on your side matters — even after the storm.
By: Vance E. ShimleyHe did everything right after the flood — but still lost money on the claim. Why? Because he didn’t know the NFIP rules before the water hit. But here’s the twist — even though I came in late, we still got him $18K back through a supplement.
The contractor was fast. The invoice was clean. The claim? Delayed for weeks.
By: Vance E. Shimley“The contractor was fast. The invoice was clean. The claim? Delayed for weeks.” All because it wasn’t itemized. Most property owners don’t realize that flood insurance isn’t like homeowners insurance. FEMA won’t pay off a lump sum — they need a detailed, line-by-line estimate with quantities, costs, and scope tied to flood damage.
Here’s What Every Condo Board Needs to Know
By: Vance E. ShimleyMost condo boards assume their elevators are protected under their flood policy — after all, they’re a critical part of the building. But under the NFIP, that’s not always the case. Here’s the truth: If your elevator system is located below the lowest elevated floor, you could be exposed to a major gap in coverage. Let’s break it down so your board can make confident, informed decisions before the next flood — not after.
This Is Just the Beginning… Why Most Flood Losses Start Before the Water Ever Hits
By: Vance E. ShimleyThe water rises. Roads close. The chaos begins. But the real damage? It started long before this moment. What you're seeing now — the flooded streets, the soaked drywall, the panic — is just the outcome. The real losses happen before the storm ever hits... in the decisions you didn’t make
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