How do I submit my flood insurance claim?

This page explains the claim process and the steps to take as you file and work with your insurance adjuster and agent. The more you know, the more comfortable the process will be. Use the dropdown menu to access more valuable information.

Prepare for Floods: Flood loss prevention is a protective action you can take to minimize damage and loss to your building and personal property before a flood occurs. National Flood Insurance Program policies cover up to $1,000 in reasonable expenses to protect your insured property and up to $1,000 to protect your personal property away from flooding and in imminent danger of flooding.

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Take the following 3 steps to start your recovery. More information is available at Starting the Recovery: Process for Submitting Claims to FEMA’s National Flood Insurance Program and How Do I Submit My Claim?

  • DETERMINE YOUR FLOOD LOSS AND SUBMIT YOUR CLAIM: Once authorities determine it is safe to return to the impacted area and you are sure the gas and electric lines are turned off; Examine your property to determine the damage. If there was damage, contact your agent and insurance company to file a claim and ask about Advance Payments that start your recovery.
  • BEGIN THE CLEANUP: DOCUMENT THE DAMAGE FIRST: Take time to document your flood losses using photos and videos before you clean your home. Please keep in mind that as a FEMA policyholder, it is your responsibility to minimize the growth and spread of mold. Learn more about the guidelines for cleaning your home when you have an insurance policy.
  • SUBMIT A CLAIM FOR FEDERAL DISASTER ASSISTANCE: In the event that a Presidential disaster declaration is issued, you may be able to obtain FEMA disaster assistance if you are eligible for additional funds such as temporary housing. Learn more and scroll to the bottom of the FEMA disaster assistance benefits page.

Additional Resources when submitting claims

  • The National Flood Insurance Program coverage summary helps policyholders understand what is covered and what is not covered and what things are worth today once they get wet and at the time of their loss.
  • The list of actions for survivors can help you as you move through the process of filing your claim.
  • Learn more about Beginning the Recovery: Process for Submitting Claims to FEMA’s National Flood Insurance Program.
  • Substantial Damage and issues to learn about.
  • Learn about the increased cost of compliance and how you can help mitigate properties that have sustained significant or repeated flood damage.

How do I contact my insurance company?

Find the toll-free phone number to call your insurance company If you need help finding your insurance company, please call the NFIP Call Center at 1800-427-4661. Representatives at the center can tell you who your insurer is and how to contact them.

Resources for Hurricane Florence Survivors

As a result of the flooding caused by Hurricane Florence, FEMA recognizes that the priority is to support recovery efforts such as homecoming, cleanup and daily routine. This is why FEMA wants to assure National Flood Insurance Program policyholders that if the policy is about to expire; you have up to 30 days after the due date to pay the premium and be covered without a gap in coverage. Paying your insurance premium on time is the surest way to avoid a gap in coverage. Additionally, policyholders should be aware that if they are using Certified Mail services to send their payment; the date stamped by Certified Mail is used as the date the premium payment was received.

  • More information on how to rebuild is available at Rebuilding after the Hurricane
  • Visit the page that clears up misinformation you may be hearing about the disaster by visiting Rumors.
  • FEMA’s website for Hurricane Florence has additional information including registering with FEMA for disaster assistance as they may be able to assist you with temporary housing if needed.

STEP 1: Start the claim process

After a flood, call your agent or insurance company to start your claim process and consider requesting an Advance Payment for a quick recovery.

If you have an insurance policy directly with the NFIP (your front page statement of coverage with the FEMA logo on your letterhead) it’s quick and easy to submit your claim directly to the NFIP service agent. When you press the button, a new screen provides you with access to the platform where you have to read to the bottom of the page to get the information. Find your insurer on the list of insurance companies they administer and you can submit your claim to the NFIP today.

Have the following information available for your claim:

  • The name of your mortgage company(s)
  • The location of the insured property
  • Your contact information: phone number or other contact number; Email address
  • Policy Declaration Page (the official document detailing your flood insurance coverage), if available

A claims adjuster should contact you within a couple of days. If you don’t hear from the insurance adjuster; call the insurance company and your insurance agent again.

Step 2: Prepare for your Inspection

Before entering the property, make sure the structure is safe to enter. Take lots of photos and/or videos of the flood damage both inside and out of your property including the watermark on the walls. Label your items by room before you move them—including high-value items. For items like washers and dryers, water heaters, kitchen appliances, televisions, and computers, be sure to take photos of the make, model, and serial number. Give this information to your adjuster to prepare the repair estimate.

  • Contact your community or condominium manager or your floodplain administrator for information on:
  • Contact storm or electrical repair service providers if systems are faulty. It is important to check with your adjuster and insurance company before signing any agreements with cleaning, remediation or maintenance companies.
  • Immediately discard those items that present a risk to your health such as food, clothing after you have taken the photographs.
  • For items part of a building; keep samples of carpet, wallpaper, draperies for fitter’s inspection.

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