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Here’s Why Your Flood Damage Claim Might Be Denied

Key Takeaways:

  1. Most home insurance companies do not cover flood damage, which is why insurance companies can deny claims.
  2. They can also deny due to Insufficient documentation or making immediate repairs.
  3. Homeowners can avoid claim rejection by signing up for flood insurance, familiarizing themselves with policy details, documenting everything from start to finish, and filing the claim promptly.
  4. Hiring professional help is advisable to increase the chances of getting the most out of your coverage.

Are you a resident of Texas, Fort Worth, to be exact? Then you might remember the recent flooding that occurred in late August 2022. The barrage of water had flooded the streets and made life a living hell. Did you know that 40% of residential properties in the area are at flood risk? Yours could be one of them.

Unfortunately, if a flood hits, you can’t do much. The only option you have is to file for a flood damage claim. But chances are that your insurance may deny your claim. It is pretty concerning and can potentially put you in a dire state during a disaster.

So, what can you do? As a homeowner, you must know everything about claim filing to protect yourself and your assets. That’s why RKG Roofing and Construction is here to help. We’ll explore the facts surrounding flood damage claim denial and discuss the correct way to deal with claim filing to ensure your home restoration goes smoothly. Read on to learn more about flood damage.

Top Reasons Why Flood Damage Claims are Denied

1. Standard Home Insurance Doesn’t Cover Flood Damage

It is the main reason why many claims of flood damage are denied. Most homeowners believe that their home insurance policy covers all types of damage. However, this is not the case! Standard homeowners’ insurance policies do not provide coverage against flooding. To offer financial protection in the wake of flooding, the National Flood Insurance Program was created to provide flood insurance. The coverage offers up to $250,000. However, only 15% of homeowners in the U.S. have flood insurance.

2. Insufficient Documentation

Insufficient documentation is another primary reason why flood damage claims are denied. Complete and accurate documentation of damages must be provided to the insurer for them to process the claim correctly. Without proper documents such as bills, invoices, and photographs of property damage before and after repairs, your claim will be denied without a second thought.

3. Immediate Repairs

Suppose you make immediate repairs or try to restore waterlogged items before filing a claim with your insurance company. In that case, there is a high chance that your claim may be rejected. Insurance companies require proof of the damage to pay out a legitimate claim, and by making quick repairs, it becomes difficult for the adjuster to understand the extent of the damage.

4. Negligence and Maintenance Issues

If your insurer finds that the damage was caused due to negligence on your part, then you can expect a denial of the claim. Suppose it is apparent that you did not properly maintain the property and ignored signs of potential flooding. In that case, the odds are stacked against you. Some common examples include failing to clean debris from gutters or blocked drains, poor landscaping, water diversion tactics, inadequate sealing around windows/doors, etc.

5. Limit Exceeded

Most insurance policies come with coverage limits that apply to different categories, such as automobiles, dwellings, jewelry, art, etc. If damages exceed this limit, an additional policy must be purchased to receive adequate coverage. If the cost of the flood damage exceeds your policy limit, you’ll pay for repairs out of pocket.

6. False Statements

When you file a claim, be sure to maintain accuracy. Insurance companies will thoroughly research the situation. Suppose they discover false statements or inaccurate information when reviewing your claim. In that case, it could lead to rejection or partial payment at best.

What Can You Do To Avoid Flood Damage Claim Rejection?

1. Sign Up for Flood Insurance

The best way to avoid claim rejection due to inadequate coverage is to obtain a flood insurance policy before experiencing any damage. Not all areas are covered by standard homeowner’s or renter’s policies, so be sure to check the availability in your area.

2. Understand Inclusions and Exclusions Before Signing Up

Although it is important to have flood insurance, you should always familiarize yourself with the policy’s details before signing up. Pay close attention to what the policy covers and excludes since even the best policies sometimes come with surprises that can leave your claim denied if damages occur.

3. Document Everything from Start to Finish

Your documents must be in order before filing a claim for flood damage. All the paperwork should be thoroughly filled out and accurate, including an itemized list of losses caused by the water damage. In addition, take photos or videos of any parts of your home that may have been damaged during floods or other related events. It will help provide additional evidence in case there’s a dispute about the damages or loss.

4. File the Claim Promptly

Don’t wait too long to file your claim, even if you’re still gathering evidence and documents. Most insurance companies require that claims be filed within a certain period, usually 30 days from when the damage occurred. Filing late could result in a denial of your claim.

5. Get an Estimate from a Professional Contractor

After filing your claim and providing documentation, your insurance company may send an adjuster to estimate the damage caused by your home’s flooding.

However, getting estimates from professional contractors specializing in flood damage restoration is highly advisable before filing a claim. It can provide you with a better understanding of the costs associated with your claim.

Even if the insurance company provides an estimate, getting one from a professional contractor is still best, as this can give you more accurate details and ensure all damages are accounted for.


6. Submit Your Claim

Once you have gathered all the necessary documentation and estimates, submit your claim to your insurance provider. Be sure to provide any additional information requested by your insurer promptly. Doing so will help expedite the process and reduce any chances of delay or denial due to incomplete information or lack thereof.

7. Hire Professional Help

Hiring professionals who specialize in handling flood damage claims can be beneficial in getting your claim approved. They can ensure all claims are accurate and negotiate with your insurance provider for the best coverage possible. In addition, they may better understand certain legal aspects, which could increase your compensation amount. Other than that, they can also help with your home restoration.

Related: Your Basement Has Flooded. Here’s What To Do Next!


In conclusion, flood damage claims can be denied due to several reasons. It’s essential to ensure all claim information is accurate and complete and to hire experienced professionals who specialize in handling these claims. Doing so could increase your chances of getting the most out of your coverage and save you time and effort.

Nobody wants to experience flood damage, but with the right professional help, you can ensure you get what you deserve from your insurance provider!

Get Help with Home Restoration with RKG Roofing and Construction in Fort Worth, TX

When it comes to filing your flood damage claim and restoring your home, you need the help of a trusted professional. RKG Roofing and Construction in Fort Worth, TX, provides high-quality home restoration with customer service that can’t be beaten.

Our team of roofing professionals has had years of experience working on roof repairs, storm restorations, and insurance claims. We take the time to hear you out & understand your needs so that we can provide personalized solutions tailored just for you.

Contact us today and get a free estimate.