My home is insured through Wright National Flood Insurance. I am sure they will respond with the check was sent, well it has not been received and not one person has been in contact with me Just read all of the complaints, one star says it all.I still have not received my check to begin repairs on my home, my neighbors home is rebuit and completed.All I ask for is my check, someone to reach out to me, I have been paitent and always paid my premiums. This company is the worst and does not care about its clients. When I try to log into their website it promps to an incorrect email for me, when I try to correct it, it will not let me. They tries calling as well and gave up after 3 hours as well. Wright flood is horrible with communication, they do not return phone calls or emails, in fact they will leave you on hold for 3 hours, I also had Colonial Adjusters, who was hired by ****** Flood to handle my claim as a 3rd party. It is now going on 4 months sonce my home was damaged by the Hurrican ***. Wright Flood was set up as my Flood insurance by my Insurance Agent in ********** **. How long is the insurance company legally allowed to sit on this claim without paying it? We have exhausted our entire savings, maxed out every credit card we own, and put in 100's of hours of our own labor to get the house to the point it is at now, close to livable but not there yet.
Without payment we are unable to finish the house enough to make it livable. When texting the line, no payment has been issued. The company has a text line set up to check the status of the payment. No check has been issued and once again tomorrow there will be no check in the mail. The representative explained that I should have seen the payment on the claim weeks ago, even stated that he would be expediting the claim for payment. Last Friday, someone finally called me back about the claim. That call back has only happened once in the past 8 weeks. I have called the insurance company numerous times over the past 8 weeks (2-3 times a week) but no one ever answers the phone, I am prompted to leave a call back number for a representative to call me back. Unfortunately for us, that has not happened.
On November 15th, the adjuster submitted his estimate to me and the insurance company and explained that I should see a payment in the mail within 10 days. The adjuster assisted us in receiving an advance of $20,000 to get started on mitigating the house. By that Sunday, the adjuster assigned to my house was there to assess the damage. The following day upon returning to my house, I filed a claim with my flood insurance company. If major catastrophic flooding occurs, it may take longer to process claims and make payments because of the sheer number of claims submitted.On September 28, 2022, our house was flooded due to Hurricane ***. You'll receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate, and signed Proof of Loss. This document substantiates the insurance claim and is required before the National Flood Insurance Program (NFIP) or insurance company can make payment. You'll need to file your Proof of Loss with your insurance company within 60 days of the flood. A Proof of Loss can be many things, but must contain the specific details set forth in the Standard Flood Insurance Policy. Your adjuster will assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damages. STEP THREE: COMPLETE A PROOF OF LOSS TO SUPPORT YOUR CLAIM Officials may require disposal of damaged items so, if possible, place flooded items outside of the home. Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible. Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate. Separate damaged from undamaged property. If you do not hear from an adjuster, you can contact your insurance agent or company again. Make sure you have the following information handy:Ī telephone and/or email address where you can be reached at all timesĪn adjuster should contact you within a few days of filing your claim. STEP ONE: NOTIFY YOUR INSURER TO START THE CLAIMS PROCESSĪfter experiencing a flood, contact your agent or insurance company to file a claim. If you have experienced a flood, you can file your flood insurance claim by following these three steps.
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