Flood Consultants Network Blog

The contractor was fast. The invoice was clean. The claim? Delayed for weeks. 

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.

NFIP Policy Deep Dives
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The contractor was fast. The invoice was clean. The claim? Delayed for weeks. 

The Line That Cost Her the Entire Claim

The Line That Cost Her the Entire ClaimBy: Vance E. Shimley

One Line in the Policy. One Missed Detail. Total Denial. She didn’t know. She thought having flood insurance meant she was protected.

NFIP Policy Deep Dives
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The Line That Cost Her the Entire Claim