Natural Disasters

Losses associated with various natural disasters are not uncommon. Floods, tornadoes, forest fires, hurricanes, earthquakes, debilitating snowstorms and other natural disasters are becoming less of an anomaly and more of a routine happening. These unfortunate events can have a devastating impact on your home or business in terms of property damage, loss of business income or other extraneous expenses. Disaster preparedness includes having adequate insurance coverage in place. All property policies are not alike and, as many homeowners and businesses impacted by recent storms can attest, the expectations of what losses are covered may not actually be what the insurance purchased provides - or what the insurer claims it provides.

SDV has extensive experience with storm related insurance claims and can:

  • Review your existing insurance program and provide you with a clear understanding of the scope of coverage in place, including the identification of potential trouble spots such as key exclusions, high deductibles and extensive waiting periods;
  • Provide recommendations for storm-related coverages you may wish to consider adding or enhancing, including:
    • Loss of Utilities
    • Flood Insurance
    • Ingress/Egress
    • Law & Ordinance
    • Business Interruption
    • Dependent Premises
  • ​Provide counsel with respect to storm losses and assist with presenting your insurance claim in a fashion which maximizes coverage;
  • Negotiate with your carriers and provide advocacy when legal proceedings are necessary.

For more information, please email us at


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35 Nutmeg Drive
Trumbull, CT 06611



851 5th Avenue N
Naples, FL 34102


West Coast

Two BetterWorld Circle
Temecula, CA 92590


SDV is based in Connecticut, conveniently located between New York City and Boston, with regional offices in Florida and California to better serve our clients. We're ready to answer your questions and eager to assist you in developing solutions.