Wind vs. Water Trap
Wind vs. Water: Will Your Claim Be Denied?
In Mobile County, the biggest danger isn’t just the storm — it’s the adjuster argument that follows.
The Scenario
A hurricane hits.
Your roof leaks (Wind) and the street outside floods (Water).
The Problem
Your Homeowners policy says it’s Flood.
Your Flood policy says it’s Wind.
The result? You get $0.
The Flood Insurance Guru Solution
We work with private carriers that can:
- Package Wind & Flood, or
- Offer Difference in Conditions (DIC) policies
This removes coverage gaps so you aren’t left stranded when the next Hurricane Sally-type event strikes.
COMMERCIAL & CONDO
Condo Associations: Stop Overpaying Your Master Policy
If you serve on a Condo Board in Mobile or Baldwin County, your Master Flood Policy is probably the largest line item in your annual budget.
Why NFIP Costs So Much
- NFIP only covers up to $250k per unit, leaving major gaps.
- Larger buildings often require commercial private flood for full replacement cost.
The Flood Insurance Guru Solution
We use Commercial Private Flood carriers to insure the entire building at full replacement cost, often lowering HOA dues 30–40%.
