Public Adjuster Hollywood FL
Hollywood Flood, Tide and Storm Claims, From the Broadwalk to Hollywood Hills
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The April 2023 rain produced 537 flood insurance claims in the three ZIP codes that hold about two-thirds of Hollywood's land, and high tides have put water on Ocean Drive and Southlake Drive. Which policy pays depends on how the water got in.
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How Water Got In Decides Who Pays in Hollywood
The City of Hollywood reminds owners that a homeowners policy does not cover flood. Under the federal flood policy, flood includes tidal overflow and rapid runoff of surface water across two or more acres or properties, and a drain backup is excluded unless a flood in the area caused it.
Hollywood has recorded both kinds of flood. In ZIP codes 33019, 33020 and 33021, FEMA counts 537 flood claims from the April 2023 rain and 158 from June 2024, and NOAA has logged high tides over Ocean Drive and seawater over the Hollywood Beach Broadwalk.
We document where the water entered, match it to the flood policy or the homeowners policy, and keep both claims on their own deadlines. Our flood and water damage claims page covers each.
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Hollywood's Flood Record in Four Numbers
Flood claim figures cover ZIP codes 33019, 33020 and 33021 (OpenFEMA, as of 2026-09-15); the rain total is NOAA's.
Only 70 closed with no building payment.OpenFEMA NFIP Claims
FEMA lists no disaster declaration for that event in Broward.OpenFEMA NFIP Claims
1,170 of them needed repairs to be livable.OpenFEMA Individual Assistance
East Hollywood streets were impassable, by NOAA's record.NOAA Storm Events
The Rules Behind a Hollywood Flood or Storm Claim
A flood claim follows the federal policy; a wind or roof claim follows Florida law. The state page has the rest.
Flood claims: the federal policy's two deadlines44 CFR Part 61
Homeowners claims: Florida's notice and payment clocks627.70132
Hollywood Areas We Serve, From the Broadwalk to the Turnpike
Tides reach Hollywood Beach and the Intracoastal, and heavy rain floods streets across the city. NOAA and City records show where.
Hollywood Beach, the Broadwalk and the Intracoastal
Tidal flooding and surgeNOAA records several inches of tidal flooding on Buchanan Street reaching State Road A1A in November 2016, high-tide flooding along Ocean Drive on the Intracoastal in October 2019, and water overtopping the Hollywood Marina seawall in October 2020. In November 2023, coastal surge spread seawater and sand over the Broadwalk and into businesses, and an April 2023 waterspout came ashore near Hayes Street and N. Surf Road.
Hollywood Boulevard, Southlake Drive and Moffett Street
Rain and high-tide floodingIn December 2019, rain flooded Hollywood Blvd east of I-95 and water entered homes. July 2023 rain rose into homes along 16th Avenue south of Hollywood Boulevard, and in June 2024 NOAA noted water marks up to 3 feet along Moffett Street on the Hallandale Beach border. High tides have flooded Southlake Drive at S. 9th Avenue (king tides, 2017) and S. 7th Avenue (2019), and the City says Hollywood's floodplains lie especially east of US1.
Hollywood Hills and West Hollywood to the Turnpike
Wind, hail, a tornado and lightningCity emergency management reported quarter-sized hail and trees down in the Hollywood Hills area in June 2023. A September 2022 tornado started on Jefferson Street and crossed Florida's Turnpike near Stirling Road, and 2016 winds dropped trees onto a home on 31st Court. Lightning started a house fire on Tyler Street in 2024 and split a tree onto a Hope Street roof in 2023.
Nearby Florida pages
Hollywood Claim Options: Public Adjuster, Attorney or Self-Filed
A Hollywood water loss can mean a flood policy, a homeowners policy or both, each with its own paperwork and deadlines.
Public Adjuster
Handles both policies- Separates tidal and rain flooding from wind-driven water and files each under the policy that covers it.
- No upfront fee. For residential and condo unit owner policies, Fla. Stat. 626.854 sets the fee ceiling.
Insurance Attorney
When the claim goes to court- Brings coverage suits, including federal court suits over a denied flood claim.
- A flood insurance suit must be filed within one year of the written denial.
Self-Filed
A single, simple loss- Suits one policy, one cause and a small repair list.
- Harder when water came from outside: the April 2023 rain alone produced 537 flood claims in Hollywood's three core ZIP codes.
Hollywood Claims We Work
Every card is drawn from NOAA, FEMA or City of Hollywood records.
Rain Flooding
NOAA recorded as much as 14.85 inches of rain in Hollywood over June 3 and 4, 2022, and 10 to 15 more inches in June 2024 that left water marks up to 3 feet on Moffett Street. Read about flood and water damage claims.
Tidal Flooding and Surge
Flood insurance counts tidal overflow across two or more acres or properties as flood. NOAA has logged high tides over Ocean Drive, the Hollywood Marina seawall and Southlake Drive, and 2023 surge over the Broadwalk.
Hurricane Irma
FEMA holds 35,483 Irma assistance registrations naming Hollywood. Of the 213 Irma flood claims in the three core ZIP codes, 150 came from 33019. More on hurricane claims.
Tornadoes and Waterspouts
A 2022 tornado crossed Hollywood from Jefferson Street to the Turnpike, and a 2023 waterspout came ashore on Hollywood Beach. See wind and tornado claims.
Lightning and Fire
NOAA records a 2024 lightning strike on a Tyler Street transformer that set a home on fire, and a 2023 strike that dropped a tree through a Hope Street roof. See fire and smoke claims.
New Flood Zones and the 50% Rule
The City says over 11,000 properties joined the Special Flood Hazard Area, and it ties the higher elevation standard to renovations over 50% of a building's value. If flood damage triggers that rule, the flood policy's compliance coverage pays up to $30,000.
Drain Backup During a Flood
The federal flood policy excludes a sewer or drain backup unless a flood in the area caused it, so the flood around the property has to be documented along with the water inside.
How We Build a Hollywood Claim
The order matters because the two policies run on different clocks.
Date the event
Florida dates a rain or wind loss to the day NOAA verifies the event, and that date starts the 1-year homeowners notice period.
Split flood from wind
Water from tides or runoff goes to the flood policy; rain driven through a damaged roof goes to the homeowners policy.
Meet the 60-day proof of loss
The federal flood policy wants a sworn proof of loss within 60 days, so the flood estimate comes first.
Hold the insurer to 60 days
For the homeowners claim, we count 60 days from notice, the deadline Fla. Stat. 627.70131 sets for the insurer's decision to pay or deny.
For the full set of state rules, open the Florida claim rights section of our Florida page. Neighboring pages: Fort Lauderdale and Hallandale Beach.
Hollywood FL Public Adjuster FAQ: Flooding, Tides and Storms
How many flood insurance claims did Hollywood file after the April 2023 flood?
Does flood insurance cover a sewer backup in Hollywood?
Why does Hollywood flood during king tides?
Was the June 2024 Hollywood flood a federal disaster?
How many Hollywood properties are in the flood zone now?
How long do I have to file a flood insurance proof of loss?
What does a Hollywood public adjuster charge?
How many FEMA registrations listed Hollywood after Hurricane Irma?
Hollywood Flood or Storm Claim Came Up Short? Start Here
Check three records first on a short Hollywood water claim: the denial reason, the backup clause and the elevation rule.
Read the stated reason
Of the 79 Irma flood claims in Hollywood's core ZIP codes with no building payment, 31 carry FEMA's code 06, not actual flood, so the written reason comes first.
Check the backup clause
If a drain backed up while the street was flooded, the federal policy's backup exclusion does not apply when that flood was the cause, which the denial may have missed.
Ask about compliance costs
When the City's elevation rule applies to a flood-damaged building, the flood policy's Increased Cost of Compliance coverage can add up to $30,000.
Send the denial and both declarations pages, flood and homeowners, and we'll show you which record to start with. Book a free claim review.
FEMA Aid After a Hollywood Flood Is Not Flood Insurance
After the April 2023 flooding, FEMA recorded 2,167 assistance registrations listing Hollywood, and 1,849 of those registrants reported no flood insurance. FEMA lists no disaster declaration for Broward for the June 2024 flooding at all.
Insurance claims need their own notice to each insurer. Our hurricane claims page explains that step.
Get a Hollywood Claim Review
Tell us the date, how the water or wind got in and what each insurer has said, and we'll show you what to do next. No upfront fee.