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Home / Insurance / Questions about flood coverage? What is covered? Learn from Babe Ruth of Hurricane Claims | Property Insurance Protection Law Blog

Questions about flood coverage? What is covered? Learn from Babe Ruth of Hurricane Claims | Property Insurance Protection Law Blog



Only the US government could come up with the craziest national flood insurance scheme. I keep trying to explain how flooding on the first floor of an elevated building only has limited coverage – why are freezers paid for but not fridges? It makes no sense, but God love America!

Cheers to my friends for sending me the following image that suggests it might help adjusters decipher byzantine national flood clauses:

For public adjusters who are on the side of the angels (the policyholders are the only angels in the insurance industry), I have been invited to do a special op-ed for the Florida Association of Public Insurance Adjusters on how to handle complex multi-peril flood and wind claims so that they the angels receive all the insurance benefits they are entitled to. Encores are the best but don’t give the whole show. Still, if you tweak Hurricane Ian’s claims and want to learn from who the New Jersey press called the Babe Ruth of Hurricane Claims,1 please join FAPIA and register here. ……

Today’s thought

You just can’t beat the one who never gives up.
— Sweet Ruth
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1 Chip was noted as the “Babe Ruth of Hurricane Lawyers” in the Asbury Park Free Press for his work on behalf of 23 municipalities and hundreds of policyholders following Superstorm Sandy. The Tampa Bay Times called him the “Master of Disaster” for his nationwide disaster work and helping policyholders after Hurricane Katrina.


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