Flood

LINE OF BUSINESS

We hope you never suffer a flood loss, but if you do, we want to make the claim process as stress-free as possible.

At FKS Insurance Services, we understand that suffering a flood loss can be overwhelming. With a team of certified flood adjusters, we bring integrity, responsiveness, and years of catastrophe-handling experience to every claim we touch.

Is it FLOOD or is it WIND?

The answer to that question can significantly impact the outcome of a claim for both the policyholder and the insurance carrier.

When managing NFIP and excess flood coverage, our certified adjusters carefully identify and distinguish between types of damage. For confirmed flood losses, they follow a structured process, aligning each adjustment with both client-specific and internal guidelines. With a hand-selected team of certified, field-tested flood adjusters, we’re prepared to rapidly deploy and respond to any flood-related catastrophe.

Specialized Flood Claims Expertise

Flood claims are uniquely complex and require deep expertise in FEMA and NFIP policy requirements. Unlike typical property claims, flood losses must be carefully evaluated to determine cause, extent, and documentation requirements that meet strict federal standards.

FKS maintains a trusted roster of certified flood professionals, ready to deploy in response to any catastrophic flood event. Our team is handpicked for technical knowledge, accuracy, and field-tested reliability—making us a proven partner for flood events of any scale.

Report Packages That Tell the Full Story

Damage Estimate
Developed using industry-standard platforms such as Xactimate, Symbility, or client-preferred software, each estimate reflects real-time, location-based pricing.
Detailed Narrative Report
Our reports go beyond the basics, outlining who discovered the loss, what actions were taken, when key events occurred, and how all elements of the claim interconnect.
Document Analysis
Each document is reviewed for completeness, relevance, and accuracy. Reports include explanations of all supporting materials submitted with the claim.

Field Inspections & Audits: Precision You Can Count On

Field audits and expert reviews are at the heart of our flood claims operation. Each FKS field adjuster is trained to thoroughly inspect, document, and report on losses with precision and clarity. Every flood inspection includes:

Cause of Loss Investigation
We confirm the reported cause by interviewing the insured, observing the loss site, and identifying if further investigation is needed.
Damage Scoping
Room-by-room assessments include item quality, age, condition, and whether repair or replacement is warranted.
Photographic Documentation
Clear, comprehensive images of both damage and undamaged areas help visually support our findings.
Risk Diagramming
Detailed diagrams illustrate loss patterns and justify the reported scope of damage.
Document Collection
Field adjusters collect available loss-related documents (e.g., mortgage statements, contractor estimates) and identify any additional needed paperwork.

We combine compliance-focused processes with a service-first approach. Whether it’s ensuring proper cause-of-loss evaluation, minimizing delays through efficient documentation, or reducing the burden on policyholders, FKS stands out for accuracy, speed, and care.

When it comes to flood claims, experience matters—and FKS delivers.

Let’s work together.

Contact us today to learn more about our flood field and desk adjusting services, or to discuss how we can support your team during daily operations or CAT response events.