How to File a Flood Damage Claim in Texas
Flooding is one of the most common natural disasters in Texas, causing millions in property losses each year. Knowing how to properly file a flood damage claim can make the recovery process faster and ensure you receive fair compensation.
Step 1: Contact Your Insurance Company Immediately
After floodwaters recede and it’s safe to return home, contact your flood insurance provider right away. Most flood policies in Texas are issued through the National Flood Insurance Program (NFIP), but some may be from private insurers. Provide your policy number, describe the damage, and ask about next steps. Quick reporting is important—claims typically must be filed within a specific time frame after the loss.
Step 2: Document the Damage Thoroughly
Before cleaning or making repairs, take pictures and videos of all damage to your home and belongings. Include walls, floors, furniture, and appliances. Make a detailed inventory of lost or damaged items, including their approximate value and purchase dates. This document will support your claim and help your adjuster assess the full extent of the loss.
Step 3: Work with the Flood Adjuster
Your insurance provider will assign a claims adjuster to inspect your property. Be prepared to show them your documentation and any receipts for damaged items. The adjuster will calculate the cost of repairs or replacement and submit a report to your insurer. Review their findings carefully to ensure all damage is included.
Step 4: Make Temporary Repairs
You can make temporary repairs to prevent further damage—such as removing wet carpet or boarding up windows—but keep all receipts. These expenses may be reimbursable under your policy. Avoid discarding damaged items until the adjuster has inspected them.
Step 5: Review and Finalize Your Claim
Once your insurer approves the adjuster’s report, you’ll receive a payment for covered damages. If you disagree with the settlement amount, you have the right to appeal or request a reinspection.
Filing a flood damage claim in Texas requires careful documentation, communication, and patience. By following these steps, you can help ensure a smoother claims process and a faster return to normal.
