File Your Claim
File Your Claim
If you have experienced a flood, you can file your flood insurance claim by following these three steps.
After experiencing a flood, contact your agent or insurance company to file a
claim. Make sure you have the following
- The name of your insurance company
- Your policy number
- A telephone and/or email address where you can be reached at all times
An adjuster should contact you within a few days of filing your claim. If you do not hear from an
adjuster, you can contact your insurance agent or company again.
Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.
- Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels.
- Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible.
- Officials may require disposal of damaged items so, if possible, place flooded items outside of the home.
Your adjuster will assist you in preparing a Proof of Loss (which is your
sworn statement of the amount you are claiming including necessary supporting documentation) for your
official claim for damages. A Proof of Loss can be many things, but must contain the specific details set
forth in the Standard Flood Insurance Policy. You'll need to file your Proof of Loss with your insurance
company within 60 days of the flood. This document substantiates the insurance claim and is required before
the National Flood Insurance Program (NFIP) or insurance company can make payment.
You'll receive your claim payment after you and the insurer agree on the
amount of damages and the insurer has your complete, accurate, and signed Proof of Loss. If major
catastrophic flooding occurs, it may take longer to process claims and make payments because of the sheer
number of claims submitted.
Find out more about filing your claim
PRIMARY RESIDENCE DISCLAIMER
For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.
Last Updated: Thursday, 19-May-2016, 3:20 PM (EDT)
500 C Street SW, Washington, D.C. 20472
Disaster Assistance: (800) 621-FEMA, TTY (800) 462-7585
U.S. Department of Homeland Security