When the Water Rises, We Help You Recover
Floods can strike suddenly and leave lasting devastation. Whether from a storm surge, overflowing drains, or rising groundwater, the aftermath often brings confusion, loss, and costly repairs. To make matters worse, most standard homeowners policies exclude flood damage entirely—or pay only a fraction of what’s needed.
At Chris Faber Public Adjusters, we help homeowners, business owners, and landlords across California navigate these complex property damage claims with precision, care, and unwavering advocacy. With over 50 years of combined industry experience, Chris and Jo Faber know exactly how to document structural damage and build a strong case for full recovery.
What Counts as Flood Damage?
Flood damage isn’t limited to standing water or total submersion. It can result from heavy rain, overflowing creeks, storm surges, or backed-up drainage systems that push water into your home or business. Even a few inches of water can cause major losses to flooring, walls, insulation, and electrical systems.
Common signs include:
Even if water recedes quickly, these signs often point to deeper structural or health-related risks that require professional documentation.
Who We Help
We assist property owners throughout California who have experienced flooding or storm-related water intrusion. Whether your property was affected by a local flash flood or major storm event, Chris and Jo Faber are here to help you recover.
Homeowners
We document all visible and hidden flood damage, from soaked flooring to compromised electrical systems. Our team ensures your claim reflects the true cost of cleanup, restoration, and safe living conditions.
Business Owners
Flooding can shut down operations overnight. We help you recover not just property loss but also business interruption and cleanup expenses so you can get back to serving your customers.
Landlords
When multi-unit buildings are impacted, we help coordinate claims that restore habitability, document tenant displacement costs, and recover repair expenses for shared systems and common areas.
Did you Know: FEMA and the California Department of Insurance both recognize that post-storm flooding can trigger multiple coverage types. Even if your standard policy excludes flood damage, supplemental coverage or related “sudden and accidental” clauses may apply. We help you identify every possible avenue for recovery.
What Insurers Often Get Wrong About Flood Damage Claims
Flood-related claims are among the most disputed in California. Insurance companies often use vague exclusions or narrow definitions to minimize payment. Insurers often:
Rely on Narrow Policy Definitions
Insurers may argue that your water damage doesn’t qualify as a “flood” under the policy. We review the exact wording and help identify alternative coverage pathways such as backup, overflow, or storm intrusion.
Blame Maintenance or Landscaping Issues
Companies sometimes claim that poor grading or clogged drains caused the loss. We use expert reports to establish that the flooding was sudden, accidental, and storm-driven.
Overlook Hidden or Secondary Damage
Once visible water is removed, insurers often stop there. We ensure your claim covers soaked subfloors, wall cavities, HVAC systems, and potential mold growth.
Push Quick Settlements Without Full Assessment
Fast settlements may miss long-term risks like contamination or weakened foundations. We ensure a full scope of work is included before you sign anything.
Did you Know: Floodwater is often classified as “Category 3” or “black water,” meaning it can contain harmful bacteria and debris. Cleanup must meet specific safety standards. We make sure these requirements are properly documented and included in your claim.
How We Help With Flood Damage Claims
Whether your loss is limited to one room or an entire property, we handle every stage of your claim so you don’t have to.
Thorough Damage Documentation
We photograph, inspect, and itemize all affected materials—visible and hidden—working with trusted restoration experts to support your claim.
Policy Review and Coverage Clarification
Flood coverage is complex. We interpret your policy language clearly, identifying what’s covered, what’s excluded, and where additional benefits may apply.
Claim Filing and Negotiation
We communicate directly with your insurance company to file, manage, and negotiate the claim on your behalf. Our goal is always to secure a full and fair settlement.
Temporary Housing and Business Support
If your home is unlivable or your business is closed due to flooding, we help secure coverage for relocation costs, lost income, and additional living expenses (ALE).
A Personal Approach to Flood Claims
Chris and Jo Faber personally manage every flood damage claim from start to finish. They offer hands-on guidance, direct communication, and decades of combined experience in insurance claim negotiation and analysis. With backgrounds in both claims management and legal interpretation, they ensure your case receives the attention and care it deserves.
When your home or business is underwater—literally or financially—you deserve advocates who know how to rebuild trust, stability, and peace of mind.
After a Flood:
How to Protect Your Claim
If your property was recently affected by flooding or stormwater intrusion, taking quick, smart action can make a major difference in your recovery.
1. Prioritize Safety First
Avoid entering flooded areas until electricity and gas are shut off. Safety always comes first.
2. Document Everything
Photograph all visible damage: floors, walls, furniture, appliances, and exterior areas. Include close-ups of water lines or residue.
3. Don’t Discard Damaged Items Yet
Keep affected materials for inspection. Insurers often need to verify proof of damage and contamination.
4. Request a Full Copy of Your Policy
Your policy may include endorsements or emergency provisions that apply to flood-related losses.
5. Track All Expenses
Save receipts for cleanup, temporary housing, meals, and repairs. These may be reimbursable under Additional Living Expenses (ALE).
6. Contact a Public Adjuster Early
The sooner we get involved, the sooner we can preserve evidence, prevent claim denial, and secure a more accurate valuation.
Did you Know: Under California law, policyholders have the right to request a full and detailed explanation of any claim denial. If your flood damage was dismissed as “excluded,” we can review the letter and often find coverage in related clauses.
Call Us When the Water Recedes
Flood damage can be overwhelming, but you don’t have to face the insurance company alone. Chris and Jo Faber are here to help you rebuild with confidence. From detailed inspections to expert claim management, we’ll make sure your recovery is handled with care and integrity.
Contact Us To Get StartedFAQs
Most standard homeowners policies exclude flood damage. However, other provisions like water backup, storm-driven rain, or secondary mold damage may still apply.
You may still qualify for assistance through related coverages, FEMA programs, or other clauses in your property policy. We’ll help you find every available option.
Yes. Many policies distinguish between “flooding” and “sudden water intrusion.” We help prove your case based on how the event occurred.
Deadlines vary depending on the type of policy or event. We recommend acting within 60 days of the loss to protect your rights.
We specialize in denied or underpaid claims. Send us your denial letter and we’ll provide a free review to determine next steps.
