If your property is flooded, it can be difficult to determine whether you should file a claim for flood damage or water damage. While each of these claim types can address similar types of damage, the claim process, including how claims are filed and handled, are vastly different. When it comes to flood insurance and flood risk, most people may not realize that it has to be purchased as a separate policy from their homeowners insurance. Before filing any type of water claim, it’s highly recommended that you consult with a professional public adjuster to assess the type of claim you should file, determine the scope of damage and help you to better understand what type of coverage you have.