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Flood Damage Claims 

We help get the Max Payout for your Insurance Claims

Home Safe Claims, a team of Public Adjusters based in Colorado, specializes in handling commercial flood damage claims. They are experts in supporting policyholders to maximize their insurance claims, particularly those related to flood damage. With extensive experience, they have mastered efficiently and precisely navigating the complex claims process. Whether you're overwhelmed by adjuster paperwork or seeking the insights of a seasoned professional, our team is here to assist you. We are committed to making your claim process as seamless and straightforward as possible.


Understanding and navigating through a commercial or residential flood damage insurance claim can be a challenging task for business owners. We provide a straightforward and streamlined approach to handling your claim. Starting with a complimentary initial inspection, through to the final payment of your claim, we ensure each phase is meticulously managed. This comprehensive process facilitates the much-needed repairs to your property, allowing you to focus on the smooth running of your business.

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Meet Our Team

Our team of experienced adjusters will guide you through the entire process and ensure that your claim is handled with the highest level of professionalism and expertise.


For business owners operating in flood-prone regions like Colorado, securing the services of a Public Adjuster after flood incidents can be immensely beneficial. Flood damage can wreak havoc on your commercial properties, necessitating extensive repairs. A Public Adjuster plays an invaluable role in these situations by meticulously assessing the extent of the damage and compiling a detailed report. They also manage the insurance claim process, ensuring you receive a fair settlement to cover the repair expenses. By entrusting this responsibility to a Public Adjuster, you can focus on getting your business operations back to normal as swiftly as possible.



Mold is not merely an aesthetic concern; it produces an unpleasant odor and disrupts the appearance of the commercial space. More worryingly, it can instigate health problems, including respiratory difficulties and allergies. Therefore, it's crucial to swiftly remove any standing water, thoroughly dry out, and treat the affected area to avert mold propagation.



Water damage is another typical issue businesses face and a prime reason for hiring public adjusters. Water can infiltrate walls, flooring, and furnishings, leading to significant destruction. If this damage is overlooked or mishandled, it paves the way for mold growth, presenting a dual threat to both property and health.



Electrical fire damage is a serious problem that businesses might encounter. Water can infiltrate electrical components such as outlets, wiring, and appliances, precipitating short circuits, power blackouts, and even electrical fires. Public adjusters can assist in accurately assessing these damages and help businesses file comprehensive claims.

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10 Flood Related Damage Claims FAQs

Popular Questions from Businesses Dealing with a Flood-Related Damage Claim

What kind of flood damage claim is most frequently encountered?

Flood damage claims are among the most common types of commercial insurance claims. They can occur due to various reasons such as heavy rains, overflowing rivers, or even broken pipes. However, the most frequent type of flood damage claim is caused by natural disasters, specifically floods.


What steps should be taken immediately after my property gets flooded?

As soon as it is safe, start documenting the damage caused by the flooding. A public adjuster can offer guidance on the appropriate method for documenting the damage and provide advice on immediate actions to curtail further destruction.

What is the time limit for filing a claim for flood damage?

The duration for which you can file a claim depends on the stipulations of your policy. Public adjusters can help decipher these complicated terms and ensure that your claim is filed within the allotted timeframe.

Is it possible to contest a settlement offer for a flood damage claim?

Indeed, if you believe the insurance company's settlement is unfair, you have the right to challenge it. Public adjusters are your allies in this situation, negotiating with the insurance company to secure a just settlement.

What do I do if I discover additional damage after the insurance adjuster's inspection?

In case you identify more damage after the insurance adjuster's inspection, you can usually submit a supplemental claim. Public adjusters can be instrumental in spotting and documenting this extra damage and advocating for a comprehensive claim.

Who is a public adjuster, and why should I hire one?

A public adjuster is a proficient individual who represents the policyholder when appraising and negotiating an insurance claim. They offer expertise in interpreting policy terms and conditions, evaluating the damage, and brokering with the insurance company, likely leading to a quicker, fairer settlement.

Can the insurance company terminate my policy if I engage a public adjuster?

No, legally, an insurance company cannot cancel your policy because you hired a public adjuster. A public adjuster can safeguard your rights as a policyholder throughout the claim process.

What should be my course of action if my flood damage claim is refused?

In case your claim is rejected, a public adjuster can scrutinize the reasons for denial, assist in procuring the requisite documentation, and act as your representative during appeals, thereby heightening the probability of a favorable result.

Does my insurance cover the fees for a public adjuster?

While insurance typically does not provide for public adjuster fees, many adjusters operate on a contingency basis, implying they get paid only if you get a settlement. Their expertise often results in larger settlements which can compensate for their fees.

In what ways can a public adjuster be helpful with flood damage claims?

A public adjuster can be of great assistance with flood damage claims in multiple ways. By utilizing their expertise in damage assessment, policy interpretation, and negotiation with insurance companies, they can ensure the submission of comprehensive claims and potentially larger settlements. Plus, they can offer guidance and moral support throughout the entire claims process, reducing the policyholder's stress. Hence, it is advisable to consult with a public adjuster when handling claims related to flood damage.

“I recently had  “Home Safe Claims”done insurance  claim for us and I couldn’t be happier with the results. The service was prompt, professional, and the final amount exceeded my expectations. I would definitely use this service again in the future and recommend it to others.”

- ATD Express

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