Guide for Filing a Flood Damage Insurance Claim
1) Put Safety First & Prevent Further Damage
Turn off the electricity if the water is high, avoid contaminated water, and photograph conditions before moving anything. Take reasonable steps to prevent additional damage (tarp, pump out standing water gradually, dry wet areas). Keep receipts for any emergency services.
2) Confirm Your Coverage
Standard homeowners policies don’t cover flood; claims usually go through an NFIP or private flood policy. Note separate deductibles and limits for building vs contents. If you have a mortgage, your lender may be listed on claim checks.
3) Notify Your Insurer Immediately
Report the loss via app, portal, or phone. Provide date/time of flooding, cause (e.g., storm surge, river overflow), and a preliminary list of damaged areas. Ask for your claim number, next steps, and required forms.
4) Document Everything
Before cleanup, take wide shots and close-ups of every room, wall line, and damaged item. Create an inventory with brand/model, age, purchase price, and estimated replacement cost. Save samples of materials (carpet, drywall) if asked; if there is a health risk, keep labeled photos instead.
5) Make Only Temporary Repairs
Remove soaked materials that pose health risks (carpet, mattresses, drywall below waterline) and begin drying. Do not start permanent repairs until the adjuster sees the damage or you’re instructed otherwise.
6) Meet the Adjuster & Get Estimates
Walk the adjuster through all affected areas and provide your photo inventory and receipts. Obtain at least two contractor estimates that match the scope (line-itemed). Ask the adjuster to note hidden damage risks (insulation, subfloor, HVAC, electrical).
7) Submit Required Paperwork
Complete the insurer’s claim forms and proof of loss with your itemized inventory, photos, and estimates. Follow stated deadlines (NFIP policies typically require a signed Proof of Loss within 60 days of the flood unless extended). Keep copies of Everything and maintain a claim diary of calls and emails.
8) Review Your Settlement
Payouts are subject to deductibles and limits, and may be Actual Cash Value first, with Replacement Cost released after you complete repairs (if your policy includes RCV). Verify that the building and contents are valued correctly and that depreciation is explained.
9) Payments, Repairs & Supplements
Claim checks may include your mortgage company—plan for endorsements to avoid delays. If new, related damage is discovered or prices rise, request a supplement with documentation.
Move fast, document thoroughly, meet every deadline, and keep organized records. That’s the fastest route to a fair flood claim outcome.