With high hopes of a sure hit hurricane named Florence, 2018 became a bust for many NFIP Flood Adjusters is the direct result of two factors; lack of flood insurance coverage and storm track.
Traveling to Ground Zero
Claims in the Queue
Two days passed; total of four days into the trip.
Thirteen flood adjusters including myself violated my number one rule; do not start the coach, without claims in my queue. They came from everywhere. Leaving their homes and family behind to do what they do best. Help people recover from flood losses!
Calls were coming every hour wanting to know if additional adjusters need to start driving?
Fifteen to twenty flood adjusters ready to take the hill.
Here is the bad news! We were not deployed, but wanted to be on the front line ready to take the hill.
I drove by every type of structure that could be covered by the NFIP Standard Flood Insurance Policy, including Camp Clearwater. It is more than an RV Park, it is a cluster of vacation properties and seasonal mobile home structures that had experienced flood damages.
There was not a single policy in the whole lot.
FEMA – Adjuster Briefing
Florence 2018 vs Matthew 2016
The BUST is what it is!
A hurricane that did not live up to the “weather experts”. The Weather Channel, Mike’s Weather Page and the local channels missed it.
Is that all bad? No! Lives were lost but many were spared.
While taking a break for lunch this past Sunday, I spoke with two FEMA Inspectors from WSP USA Inspection Services and they are working 12 to 14 hours a day.
However, tomorrow is their last; a bust for them too.
They said, 80% of the structures they looked at were wind damage and water damage from the top down. The majority of structures they found with flood damage only reached the crawl spaces of the buildings and not entering the living area.
The highest watermarks, one inspector stated, was 21” and was in a single wide mobile home that would be settled at ACV. But the most important thing they said was, “people did not have flood insurance!”
So what did we learn as flood adjusters? Should we stay at home until claims are in the queue?
Maybe! Maybe not! Close the claims you have and be thankful.