These are two separate claims. The roof leak should be handled by the Homeowners coverage, and the “flooding event” should be handled by the Flood carrier. There will be two deductibles because these are two distinct claims with separate causes and dates of loss.
Why would the Flood insurer deny the claim? It’s a pretty simple coverage if the event meets the definition of “flood”.
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These are two separate claims. The roof leak should be handled by the Homeowners coverage, and the “flooding event” should be handled by the Flood carrier. There will be two deductibles because these are two distinct claims with separate causes and dates of loss.
Why would the Flood insurer deny the claim? It’s a pretty simple coverage if the event meets the definition of “flood”.