Welcome To My Website
I’m Mark Pfister and if you’re at this page, then it’s likely I’ve been assigned as the adjuster for your flood claim. I will be your contact throughout the claims process. I’ve designed this site to answer most if not all of the questions you might have. You will find information on the flood claims process from the beginning to the end. The information on the website comes from my personal experience, the NFIP, FEMA, The American Red Cross, the IICRC, YouTube and various other sources. All of this information is readily available on the internet. I wanted to bring it all together in one location to help you through the flood claims process.
You should know that your Flood Policy is different than your Homeowners Policy. Items that are covered in your Homeowners Policy are not necessarily covered by your Flood Policy. While most Homeowners Policies are designed to make you ‘whole’, the Flood Policy is a basic policy designed to ‘get you back on your feet’, so to speak. I will go over these items when we meet for the initial inspection.
I want to let you know up front, that this will be a long arduous process, but we will get through it together. Below is a list of things that I feel you need to know as we get your flood claim started. Even if you don’t read through the rest of the website, please read through the items below. There is important information that you need to know. Once you’ve read through them, you can click on the box below that says, ‘Go to Home Page’.
Complete & Submit the Flood Loss Questionnaire. Open & Read the Flood Claims Handbook. Download & Install the Contents Buddy Phone App. When done, scroll down to the bottom of the screen and click on the Home Page button to access the site.
I am the eyes and ears of the insurance company. I cannot bind them or commit them to coverage. I cannot tell you what amount of money you will be paid. My job is to make an assessment of your damages and determine the policy coverage. The assessment is based on my knowledge and experience. My assessment will be subject to the insurance company’s approval.
When we walk through your building, I may say we are going to buy this, or paint that or whatever. I am telling you what will be recommended in my assessment, and worksheets, and subject to your insurance carrier’s approval.
If you see damage I do not mention, bring it to my attention. The policy states (p13 of 19, J.8) “We have not authorized the adjuster to approve or disapprove or to tell you whether we will approve your claim.” Therefore, you will know what I think, but all coverage and damage decisions remain subject to the policy terms and conditions and company approval.
Your insurance policy is a written contract with stated terms and conditions. You can find a copy of your policy once you access the Home page. Click on ‘Getting Started’ and then click on ‘Policy Information’. Scroll down and find your specific policy under the column that says, ‘FLOOD POLICIES’.
Areas recuperating from floods are often prime targets for less than-honest business activities. Building codes often require that work be done only by licensed contractors. Some building departments and trade associations keep lists of contractors who work in the community.
Here are some points to remember: