Flooding is a big risk to homeowners and commercial property or business owners here in South Florida. Even more “inland” communities such as Weston or SouthWest Ranches, and Plantation are subject to flood risk in a good year. In a “bad” year with hurricanes, we are all vulnerable to not just hurricanes or storm risk but to flooding risk. And this is all even more true for Fort Lauderdale and communities in Broward County that are on the coast.
When it comes to hazards in the United States, floods are one of the most common. Their effects can be local, impacting a neighborhood or community, or very large, affecting entire river basins and multiple states.
Floods in South Florida are not all alike. Some develop very slowly over a period of days or even weeks. But flash floods happen quickly, over just a few minutes or an hour without any rain to feed them. Flash floods often have a dangerous wall of water carrying mud, bricks, and debris that wipes out most everything in its path. There are also floods caused by a dam or levee breach, which causes flood damage similar to a flash flood.
Although flood-hazard maps in the South Florida counties of Miami-Dade, Broward and Palm Beach are available and updated regularly, flooding can happen anywhere whether your home is in a hazardous zone are not. FEMA has gone to great lengths to educate the public about the hazards of floods and the devastation they may cause. Not just homes, but businesses, vehicles, and infrastructure are damaged or destroyed by floods each and every year. The news outlets are always quick to point out the suffering homeowner while the business owner watches his business go down the drain.
Small businesses, which are the economic and often social engine of many communities, can be the adversely affected by floods. Floods can occur anywhere, often with little or no warning, and with devastating consequences. Protecting the bottom-line in order to remain open, or to reopen quickly after a flood disaster, creates an unusual hardship on many small business owners. The cost of surviving a flood will be passed on to the community as the business owner struggles to survive. Even after the floodwaters recede, the business can remain underwater financially. 40% of all small businesses that experience a flood fail to reopen. In most cases this is a result of the business property insurance not covering the loss from flood damage and the business owner failed to obtain this very important coverage.
If you are submitting a flood claim against your insurance, you may find that a public adjuster can really help you defend your rights. An independent insurance adjuster works for you (not the insurance company). We are based in Weston Florida and serve all nearby communities including Pembroke Pines, Miramar, Davie, Sunrise, SouthWest Ranches, and Plantation.