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"It wasn't a Flood, it was Rain." We Stop the Excuses.
The “Wind vs. Water” dispute is the #1 reason coastal claims are denied.
When a hurricane or storm hits, your Homeowners policy covers wind, but excludes flood. Your Flood policy covers rising water, but excludes wind. The result? Both insurers point the finger at each other, and you get paid nothing.
Vault Insurance INT resolves the standoff. We employ hydrologists and structural engineers to determine the exact timeline of damage. We prove whether the roof failed before the water rose, forcing the correct insurer to pay the full claim.
Wind vs. Water Disputes
Did the storm surge cause the damage, or did the wind blow the windows out? We use forensic meteorology to prove the sequence of events and assign liability.
NFIP "Proof of Loss"
National Flood Insurance Program (NFIP) claims have strict, unforgiving deadlines (usually 60 days). We handle the federal paperwork so you don't miss your window.
Basement Coverage
NFIP policies limit coverage in basements. We audit your claim to ensure you are paid for essential equipment (furnaces, pumps, electrical) that is covered
Navigating the Murky Waters of Flood Claims:
Water damage is tricky. One inch of water can cost $25,000 to repair. We ensure every inch is paid for.
Home
Vehicles
Life
Business
Flood Risk & Recovery Assessment
Has your area been hit by a storm? Do not clean up until you have documented the water line. Contact us for a protocol guide.
This is classic. We use "Forensic Meteorology" data to prove exactly when your home was breached. If the wind opened the roof before the floodwaters arrived, the Homeowners policy typically must pay—and their payouts are usually higher.
Unlike regular insurance, Federal Flood claims (NFIP) require a signed, sworn statement of the exact dollar amount within 60 days. If you miss this by one day, you get $0. We prepare and file this legal document for you.
Insurers often argue that if the backup was triggered by general flooding, the backup rider is void. We fight to prove the backup was a distinct mechanical failure of the municipal system to trigger your coverage.
Under NFIP, structural elements (drywall, floors) in basements usually aren't covered, but essential equipment (electrical, heat, pumps) is. We audit the list to make sure they aren't excluding items that are legally covered, like freezers or washers/dryers (in some cases).
Water "wicks" up drywall. Even if the flood was 2 inches, the moisture can climb 12 inches inside the wall. We use moisture meters to prove the hidden damage and force a "flood cut" replacement of 2-4 feet of wall.
Yes. Commercial claims involve complex "Business Interruption" calculations. We ensure you are compensated not just for the wet carpet, but for the weeks you couldn't operate your business.
Before The Mold Sets In...
Time is the enemy in flood claims. We deploy rapid-response teams to document the water line and damage before the evidence dries up.