More About Our Firm
Chiesa Shahinian & Giantomasi is a regional law firm with over 125 attorneys in New Jersey and New York. Our team includes seasoned attorneys, engineers and expert consultants who have advised on hundreds of flood insurance claims resulting directly from major hurricanes throughout the nation. We handle each claim individually and it costs you nothing unless we win more than you have already received. Our aim is to help you collect the money that you’ve been denied.
For more information or a free consultation, please call (973) 530-2061.
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Recent Blog Posts
August 26, 2016 |
If this is the first time you have had to contact your flood insurance company about a loss, it can be confusing to understand why or how FEMA has anything to do with your flood insurance. The reason that FEMA is involved with flood insurance is that FEMA is charged with administering the National Flood Insurance Program. In the late 1960s and into the 1970s, many insurance companies stopped writing flood insurance policies because they were losing money on the policies. The flood damages were just too widespread and catastrophic for insurance companies to insure. Because people needed flood insurance to protect their property, the federal government stepped in and passed legislation that created...
August 24, 2016 |
Under a National Flood Insurance Program policy, in the event of a flood loss to an insured’s property the insured is required under their policy to comply with certain conditions and requirements, including: giving prompt notice to the flood carrier, separating damaged and undamaged property for examination; and, preparing an inventory of damaged property which includes the quantity, description, actual cash value, and amount of the loss. Once notification of a flood loss is given to the insurance carrier, the insurance carrier will assign an adjuster to investigate the claim as courtesy to the insured. In the event of a non-catastrophic flood situation, within sixty (60) days after the loss, the insured is required...
August 22, 2016 |
In what FEMA has been calling the 2016 Mid-Summer Severe Storms (i.e. the catastrophic flooding in Louisiana), FEMA (the federal agency charged with administering the National Flood Insurance Program) has issued guidance on the issue of debris removal. According to FEMA, damaged items should be removed from the insured building for health and/or safety reasons and to mitigate damage. In those instances where the items have been removed from the insured building and deemed debris, the policyholder (i.e. homeowner) is required to substantiate their loss. See link to FEMA’s bulletin: http://www.nfipiservice.com/Stakeholder/pdf/bulletin/w-16061.pdf The Standard Flood Insurance Policy (SFIP) requires that the policyholder separate damaged from undamaged property putting it in the best possible order so...