Cover photo of an insurance adjuster inspecting a flooded home with drywall removed

The information below outlines the flood insurance claims process, including step to follow as you start your National Flood Insurance Program claim and work with your insurance adjuster and insurance agent. The more you know, the smoother the process will go.

For more information on the NFIP claims process, visit

  • You should report your loss immediately to your insurance agent or insurance carrier and ask them about advance payments.

  • Prepare for your inspection with your insurance adjuster by taking photos and/or videos of your flood-related damage before moving or disposing of items.

  • Work with your insurance adjuster to determine what your policy covers, inspect the property, discuss the claims process, and determine your next steps.

  • Document your loss and receive payment so you can begin the recovery process.

Additional Flood Claim Resources

  • Read more about Starting Your Recovery – FEMA’s guide to disaster recovery.
  • The Claims Handbook can help you as you go through the process of starting and filing your flood insurance claim.
  • This infographic may be helpful as you go through the steps to file your claim.